Let J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT handle your appraisal needs
Thousands of people in Louisiana buy, sell or refinance their home each year. Many of these transactions involve a simple line item for an appraisal. Almost all lenders still call in a local expert because the stakes are so high, even though there are a developing number of automated home valuation methods that might appear to be more prudent than an appraisal. You might think that obtaining a mortgage is the only reason to get an appraisal, but there are more cases when the services of a licensed, independent real estate professional might be helpful.
Appeal your tax assessment in Ouachita County
If you are in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in appealing your tax assessment.
Eliminate PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an additional insurance policy that almost all lenders ask home buyers to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. Seeing that extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to get rid of PMI, J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT can produce a statement regarding the value of your home. The expense of the home valuation can often be recovered in a short amount of time because you'll no longer be paying the PMI.
Get your appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANTOrder today
Settle a divorce with fewer hang-ups
A divorce is often complicated by the hard decision of who maintains the property, and it can be a very horrible occurrence for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT so both parties are entirely aware of the true market value of their house.
The parties will have a better idea of what price to set, if they wish to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Accurate and fair estate liquidation
The death of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Most Americans don't have dedicated estate planners or executors to handle these affairs, unlike many wealthy individuals. And since a home or other property often makes up an unequal share of the total estate value, understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.
Move to or from Ouachita County through an employee relocation program
Employee relocation is a stressful event, and we understand. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide remarks on the positive attributes of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered.
Sell your home promptly — at an accurate price
A professional appraisal will help you make a better educated decision regarding your selling price, whether you decide to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees rest on our efforts to complete the appraisal report and not a percentage of the sales price.
We determine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable way to determine 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, because we're experts in knowing how long homes are one the market.