Reasons to order an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANTEach year, thousands of people in Louisiana buy, sell or refinance their home. A lot of these transactions involve a simple line item for an appraisal. The majority of lenders still call in a local expert because the stakes are so high, even though there are a budding number of automated home valuation systems that might seem cheaper than an appraisal. You might assume that obtaining a mortgage is the only reason to get an appraisal, but there are other situations when the services of a certified, independent real estate professional could be beneficial. 
Dispute your tax assessmentIf you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. At J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT, we're qualified to assist you in challenging your tax assessment. Getting rid of your PMI for mortgage paymentsWhen the amount being loaned to the home owneris more than 80% of the actual value of the real estate, nearly all lenders ask homebuyers to purchase this added insurance plan. That policy is Private Mortgage Insurance, or PMI. This additional payment is often folded into the monthly mortgage payment and is quickly forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to get rid of 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 often be recovered in just a few months because you'll no longer be paying the PMI. Order your appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT today Order onlineGet a clear valuation on a home take make a divorce settlement less stressfulA divorce is an especially daunting event for the parties involved, and it is often more complicated by the troublesome decision of who keeps the home. It's a good idea to get 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 a good idea of what price to set, if they want 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 evaluation. Ascertain an accurate and fair valuation for estate liquidationLosing a loved one is a painful time in life, and settling an estate from a death, or probate, often requires 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, ensuring the utmost degree of discretion. Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these matters. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal. Move to or from Ouachita County through an employee relocation programWe understand the stress involved with an employee relocation. We take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered during our detailed 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 will help you make a more informed decision regarding your asking price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they are calculated on our efforts to complete the appraisal report. On a daily basis, we examine the difference in value items like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable way to decide 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, because we're experts in knowing how long homes stay on the market. 
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