Why you should order an appraisal from Town and Shore Appraisal Services, Inc.Every year, thousands of people in Florida purchase, sell or refinance their home. Many of these transactions include a simple line item for an appraisal. While there are a developing number of automated home valuation methods that may appear less expensive than an appraisal, practically all lenders still call for a local expert because the stakes are so high. Is obtaining a mortgage the only reason to get an appraisal? Are there also times when the services of a licensed, independent real estate professional might come in handy? Absolutely. 
Dispute your tax assessmentIf you reside in an area where the property value has depreciated, it's possible you're paying too much in property taxes. An appraisal from Town and Shore Appraisal Services, Inc. is your best evidence when building your case. At Town and Shore Appraisal Services, Inc., we're qualified to assist you in disputing your tax assessment. Remove PMI to lower your mortgage paymentWhen the amount being loaned to the home buyeris more than 80% of the actual value of the home, almost all lenders ask home buyers to purchase this added insurance policy. That policy is Private Mortgage Insurance, or PMI. This added payment is often lumped into the monthly mortgage payment and is promptly forgotten. PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfavorable. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met. Town and Shore Appraisal Services, Inc. can provide you with a statement regarding the value of your home, and the cost of the appraisal can usually be recovered in a short amount of time because you'll no longer be paying the PMI. Order your appraisal from Town and Shore Appraisal Services, Inc. today Order todaySettle a divorce with less stressA divorce is often complicated by the hard decision of who keeps the house, and it can be a particularly horrible ordeal for both parties. So both parties are completely aware of the true market value of their property, it's a good idea to get an appraisal from Town and Shore Appraisal Services, Inc., regardless of the situation. If the parties wish to sell the home, they'll have a better idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Accurate and fair estate liquidationThe death of a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion. Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these matters. A home or other property often makes up an uneven share of the total estate value, so understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received a fair deal. Relocate to or from Martin County through an employee relocation programEmployee relocation is a stressful event, and we understand. That's why we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, along with information about any current sales or listings in their neighborhood that they want considered during our thorough inspection. Sell your home promptly — for an accurate priceWhether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they rest on our efforts to finish the appraisal report. We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted way to determine what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long properties stay on the market. 
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