Let J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT serve your appraisal needs

Thousands of people in Louisiana buy, sell or refinance their home every year. Many of these transactions involve a simple line item for an appraisal. Almost all lenders still need a local expert because the stakes are so high, even though there are a budding number of automated home valuation systems that may seem more economical than an appraisal. Is securing a mortgage the only reason to get an appraisal? Are there other instances when the services of a licensed, independent real estate professional might be helpful? Absolutely.

Let J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT help you lower your mortgage payment

Contest your tax assessment

If you reside in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. An appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT is your best evidence when building your case. We can assist you in appealing your tax assessment.

Remove PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that almost all lenders ask home buyers to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the home. Seeing that added payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfortunate. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT will produce a statement regarding the value of your home, and the cost of the appraisal can often be recovered in little time because you'll no longer be paying the PMI.

Get your appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT

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Divorce settlement with fewer hang-ups

A divorce is an especially traumatic event for the parties involved, and it is often even more complicated by the strenuous decision of who gets the home. So both parties are entirely aware of the true market value of their home, it's a good idea to get an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT, regardless of the situation.

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 received a fair assessment.

Ascertain a fair and accurate valuation for estate liquidation

Losing 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 real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion.

Most Americans do not have dedicated estate planners or executors to handle these matters, unlike wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.

Move to or from Ouachita County for work

We are familiar with the headaches associated with an employee relocation. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, as well as information about any current sales or listings in their area that they want considered during our intensive inspection.

Close on your home quickly — at an accurate price

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision regarding your selling price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to finish the appraisal report.

On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long propertiesare on the market. So, seeking a professional appraisal is a reliable way to determine 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.

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