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

To a lot of people, an appraisal just looks like a line item in the long list of items for a mortgage or refinance. Practically all lenders still call in a local expert because the stakes are very high, even though there are a growing number of automated home valuation methods that might appear to be more economical than an appraisal. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are more situations when the services of a certified, independent real estate professional might come in handy.

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

Appeal your tax assessment in Ouachita County

If you reside in an area where the property value 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. At J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT, we're capable of assisting you in appealing your tax assessment.

PMI removal to reduce your mortgage payment

When the amount being loaned to the home owneris more than 80% of the actual value of the property, nearly all lenders ask home buyers to purchase this supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. This added payment is often folded into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI installments 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 provide you with a statement regarding the value of your home. The expense of the home valuation can usually be recovered in just a few months because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

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

The parties will have a good idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Ascertain an accurate and fair valuation for estate liquidation

The loss 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 residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the fullest degree of discretion.

Most Americans do not have dedicated estate planners or executors to handle these issues, unlike many wealthy individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the true value 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. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, as well as information regarding any new sales or listings in their area that they want considered during our thorough inspection.

Close on your home promptly — for an accurate price

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal report.

On a daily basis, we analyze 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, getting a professional appraisal is a reliable 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.

Let J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT assist you in selling your home quickly at the right price