Beth Adams in Melbourne Beach do appraisals for numerous clients

To many, an appraisal just looks like one more thing in the long list of items for a mortgage or refinance. Most lenders still call in a local expert because the stakes are so high, even though there are a budding number of automated home valuation processes that may appear to be more economical than an appraisal. You might think that getting a mortgage is the only reason you should get an appraisal, but there are more instances when the services of a licensed, independent real estate professional might be helpful.


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Let Beth Adams help you challenge your tax assessment in Brevard County

It's likely you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are determined by a past assessment of your real estate, so if values are less than what they used to be in your area, you can appeal your assessment and save money. An appraisal from Beth Adams is your best evidence when building your case. At Beth Adams, we're qualified to assist you in disputing your tax assessment.

Let Beth Adams help you do away with PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that most lenders ask homeowners to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. Since the additional payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to eliminate the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

Beth Adams will provide you with a statement regarding the value of your home, and the cost of the appraisal can usually be regained in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Beth Adams

A divorce can be an especially traumatic event for both parties, and it is often more complicated by the troublesome decision of who keeps the property. So both parties are entirely aware of the true market value of their house, it's a good idea to order an appraisal from Beth Adams, regardless of the circumstances.

If the parties want to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Accurate and fair estate liquidation with help from Beth AdamsSettling an estate

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to handle these matters. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the certain value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.

Relocating to or from Brevard County

Moving due to a job change is a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive process, we suggest relocating employees to provide feedback on the positive features of their property, along with information regarding any current sales or listings in their neighborhood that they want considered.

Don't sell out short or keep your home on the market too long.

A professional appraisal can help you make a better educated decision when determining your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees depend on our efforts to perform the appraisal report and not a percentage of the sales price.

We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long properties stay on the market. So, obtaining a professional appraisal is a trusted way to decide 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 too long, costing you hassle and money.