Reasons to consider an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT

To a lot of people, an appraisal is simply another fee in the long list of items for a home sale or refinance. Even though there are a growing number of automated home valuation processes that may seem more prudent than an appraisal, nearly all lenders still need a local expert because the stakes are so high. You might think that securing a mortgage is the only reason to acquire an appraisal, but there are more times when the services of a licensed, independent real estate professional might come in handy.

Let J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT assist you in lowering your mortgage payment

Appeal your tax assessment in Ouachita 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 house, so if prices have declined in your neighborhood, you can appeal your assessment and save money. An appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT is your best evidence when building your case. At J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT, we're equipped to assist you in challenging your tax assessment.

Getting rid of your PMI for mortgage payments

Private Mortgage Insurance, or PMI, is an additional insurance policy that nearly all lenders ask homebuyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. Seeing that additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate 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 generally be recovered in just a few months because you'll no longer be paying the PMI.

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Divorce settlement with less stress

A divorce is an especially traumatic event for the parties involved, and it is often even more complicated by the troublesome decision of who maintains the house. It's a good idea to order an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT so both parties are fully aware of the true market value of their home, regardless of the circumstances.

The parties will have a clearer picture of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Ascertain an accurate and fair valuation for estate liquidation

The death of a loved one is a hard 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 fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans do not have dedicated estate planners or executors to handle these affairs, unlike wealthy individuals. 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 leave knowing they've gotten a fair deal.

Move to or from Ouachita County through an employee relocation program

Employee relocation can be 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 input on the positive attributes of their property, as well as information about any recent sales or listings in their neighborhood that they want considered.

Sell your home promptly — for an accurate price

Whether 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 regarding your selling price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they are calculated on our efforts to finish the appraisal report.

On a daily basis, we determine the difference in value items like an extra bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted way to decide what improvements will add value and what an applicable 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.

Let J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT help you sell your home quickly at the right price