Why you should order an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANTYear after year, thousands of people in Louisiana buy, sell or refinance their home. A lot of these transactions contain a simple line item for an appraisal. While there are an increasing number of automated home valuation systems that might appear more practical than an appraisal, the majority of lenders still need a local expert because the stakes are incredibly high. You might believe that obtaining a mortgage is the only basis for getting an appraisal, but there are other cases when the services of a licensed, independent real estate professional could be beneficial. 
Appeal your tax assessment in Ouachita CountyIt's likely 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 previous assessment of your house, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. 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 home buyers to buy this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate 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 will give you a statement regarding the value of your home. The cost of the home valuation can generally be offset in a short amount of time because you'll no longer be paying the PMI. Order an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT Order onlineGet a fair valuation on a home take make a divorce settlement less stressfulA divorce is often complicated by the difficult decision of who gets the home, and it can be a very daunting ordeal for both parties. So both parties are fully aware of the true market value of their property, it's a good idea to get an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT, regardless of the situation. If the parties wish to sell the home, they'll have a better 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 received a fair evaluation. Ascertain a fair and accurate valuation for estate liquidationLosing a loved one is a painful time in life, and settling an estate from a death, or probate, often entails 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. Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to handle these matters. A home or other property often makes up an uneven 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 walk away knowing they've gotten a fair deal. Relocate to or from Ouachita County through an employee relocation programWe understand the stress associated with an employee relocation. We take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, along with information regarding any new sales or listings in their area that they want considered during our intensive inspection. Close on your home promptly — at an accurate priceWhether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees rest on our efforts to finish 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. 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, because we're experts in knowing how long properties stay on the market. 
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