Let J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT serve your appraisal needsEach year, thousands of people in Louisiana purchase, sell or refinance their home. Many of these transactions include a simple line item for an appraisal. Nearly all lenders still need a local expert because the stakes are very high, even though there are a multiplying number of automated home valuation processes that may appear more prudent than an appraisal. You might think that getting a mortgage is the only basis for getting an appraisal, but there are other instances when the services of a licensed, independent real estate professional might be helpful. 
Appeal your tax assessment in Ouachita CountyIt's possible you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are determined by a previous assessment of your real estate, so if prices have declined in your area, you can challenge 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 capable of assisting you in challenging your tax assessment. Eliminate PMI to lower your mortgage paymentWhen the amount being loaned to the home owneris more than 80% of the actual value of the property, nearly all lenders ask buyers to buy this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often bundled into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met. J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT can provide you with a statement regarding the value of your home, and the expense of the home valuation can generally be recovered in little time because you'll no longer be paying the PMI. Order your appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT today Order todaySettle a divorce with fewer hang-upsA divorce is often complicated by the challenging decision of who keeps the house, and it can be an especially daunting ordeal for both parties. So both parties are entirely aware of the true market value of their property, it's a good idea to order an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT, regardless of the situation. If the parties need to sell the home, they'll have a a good idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Determine a fair and accurate valuation for estate liquidationThe loss of a loved one is a difficult 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). Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal. Relocate to or from Ouachita County for workEmployee relocation is a stressful event, and we understand. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we suggest relocating employees to provide remarks on the positive features of their property, along with information regarding any new sales or listings in their area that they want considered. Close on your home promptly — for an accurate priceA professional appraisal will help you make a better educated decision when determining your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees rest on our efforts to complete the appraisal report and and aren't related to the sales price. On a daily basis, we analyze the difference in value things like an additional 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 appropriate 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. 
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