Let Howe Appraisals LLC take care of your appraisal needsThousands of people in Florida buy, sell or refinance their home each year. Many of these transactions include a simple line item for an appraisal. And while there are a budding number of automated home valuation methods that may appear to be less expensive than an appraisal, the majority of lenders still call for a local expert because the stakes are so high. You might assume that getting a mortgage is the only reason to get an appraisal, but there are more times when the services of a certified, independent real estate professional could come in handy. 
Challenge your tax assessment in Brevard CountyIt's probable you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are based upon a past assessment of your real estate, so if prices have gone down in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. At Howe Appraisals LLC, we're capable of assisting you in challenging your tax assessment. PMI removal to lower a mortgage paymentWhen the amount being loaned to the home buyeris more than 80% of the actual value of the property, almost all lenders ask homeowners to buy this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Very often, this extra payment is folded into the monthly mortgage payment and is soon forgotten. This is damaging because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met. Howe Appraisals LLC can produce a statement regarding the value of your home, and the cost of the home valuation can usually be recovered in just a few months because you'll no longer be paying the PMI. Order an appraisal from Howe Appraisals LLC Order onlineSettle a divorce with less stressA divorce can be a particularly horrible event for both parties, and it is often even more complicated by the troublesome decision of who maintains the home. It's a good idea to get an appraisal from Howe Appraisals LLC so both parties are entirely aware of the true market value of their property, regardless of the situation. The parties will have a better idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Ascertain a fair and accurate valuation for estate liquidationLosing a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires 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, guaranteeing the maximum degree of discretion. Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these affairs. And since a home or other property often makes up an unequal share of the total estate value, knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal. Move to or from Brevard County through an employee relocation programEmployee relocation is a stressful event, and we understand. We take great care in organizing a convenient appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide remarks on the positive aspects of their property, as well as information about any recent sales or listings in their area that they want considered. Close on your home quickly — for an accurate priceA professional appraisal will help you make a better educated decision regarding your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. Apart from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't related to the sales price, but rather they are based on our efforts to complete the appraisal report. We analyze 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 propertiesstay on the market. So, obtaining a professional appraisal is a trusted way to decide what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time. 
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