Why obtain an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT?

To a lot of people, an appraisal just looks like one more thing in the long list of items for a home purchase or refinance. Even though there are an increasing number of automated home valuation processes that may seem cheaper than an appraisal, practically all lenders still call in a local expert because the stakes are incredibly high. But is getting a mortgage the only reason to acquire an appraisal? Are there more cases when the services of a licensed, independent real estate professional could be helpful? Absolutely.


	For real estate appraisals in Monroe and Ouachita County, it's easiest when your order online from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT, just click here.

Challenge your tax assessment in Ouachita County

If you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT is your best evidence. At J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT, we're equipped to assist you in challenging your tax assessment.

Getting rid of your PMI will lower your mortgage payment

When the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate, nearly all lenders ask homebuyers to take out an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this extra payment is folded into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI payments 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 provide you with a statement regarding the value of your home. The expense of the appraisal can often be regained in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT

A divorce can be an especially traumatic ordeal for both parties, and it is often more complicated by the challenging decision of who maintains the house. It's a good idea to order an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT so both parties are entirely aware of the true market value of their property, regardless of the situation.

The parties will have a clearer picture of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Settling an estate with peace of mind

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the fullest degree of discretion.

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these issues. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the precise value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal.

Relocating to or from Ouachita County?

Employee relocation is a stressful event. We know where you're coming from! We take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive aspects of their property, along with information regarding any recent sales or listings in their area that they want considered during our thorough process.

Sell your home quickly at the right price with an appraisal from J. GRAHAM GAULT REAL ESTATE APPRAISER & CONSULTANT

A professional appraisal can help you make a better educated decision regarding your selling price, whether you decide to sell your home on your own or use the assistance of a real estate agent. Separate from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees depend on our efforts to perform the appraisal report and not a percentage of the sales price.

On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long properties stay on the market. So, 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 for an extended amount of time.