6 Reasons to order an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANTThousands of people in Louisiana purchase, sell or refinance their home every year. A lot of these transactions include a simple line item for an appraisal. Most lenders still want a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation processes that might appear more practical than an appraisal. You might believe that getting 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 be beneficial. 
Contest your tax assessmentIt's possible you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are based upon a past assessment of your home, so if prices have gone down in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in challenging your tax assessment. PMI removal to reduce a mortgage paymentPrivate Mortgage Insurance, or PMI, is an added insurance plan that almost all lenders ask buyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the property. This additional payment is often folded into the monthly mortgage payment and is soon forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT can produce a statement regarding the value of your home. The expense of the appraisal can often be offset in just a few months because you'll no longer be paying the PMI. Order an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT Order todayGet a clear valuation on a home for divorce settlementsA divorce is often complicated by the hard decision of who keeps the property, and it can be a very traumatic occurrence for both parties. So both parties are fully aware of the true market value of their house, it's a good idea to get 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 clearer picture of what price to set. And 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 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 utmost 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 manage these matters, unlike many 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 essential importance to ensuring disputing parties leave knowing they've gotten a fair deal. Move to or from Ouachita County through an employee relocation programWe understand the stress associated with an employee relocation. We take great care in setting up a convenient appointment time for the appraisal 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 during our intensive inspection. Sell your home quickly — at an accurate priceA professional appraisal will help you make a more informed decision when determining your selling price, whether you choose to sell your home on your own or with the help 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 aren't related to the sales price, but rather they rest on our efforts to complete 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 housesare on the market. So, 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. 
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