The Appraisal Group of Louisiana, LLC in Lafayette are hired for numerous purposes

To many, an appraisal just looks like a line item in the long list of items for a mortgage or refinance. While there are a developing number of automated home valuation processes that may appear to be more practical than an appraisal, the majority of lenders still call in a local expert because the stakes are very high. You might think that securing a mortgage is the only reason to get an appraisal, but there are other cases when the services of a certified, independent real estate professional might come in handy.


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Let The Appraisal Group of Louisiana, LLC help you challenge your tax assessment in Lafayette 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. An appraisal from The Appraisal Group of Louisiana, LLC is your best evidence when building your case. We're equipped to assist you in appealing your tax assessment.

PMI removal will lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance plan that almost all lenders ask homebuyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Since the added payment is usually lumped into the monthly mortgage payment, it is often 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% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to dismiss the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, The Appraisal Group of Louisiana, LLC can provide you with a statement regarding the value of your home. The price you paid for the appraisal can usually be offset in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from The Appraisal Group of Louisiana, LLC

A divorce can be a particularly traumatic experience for both parties, and it is often more complicated by the troublesome decision of who gets the house. So both parties are fully aware of the true market value of their home, it's a good idea to get an appraisal from The Appraisal Group of Louisiana, LLC, regardless of the circumstances.

If the parties wish 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 evaluation.

Fair and accurate estate liquidation

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the real estate involved. We guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these issues. 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 leave knowing they've gotten an honest deal.

Let The Appraisal Group of Louisiana, LLC assist you in relocating to or from Lafayette County

Employee relocation can be a real pain. We know where you're coming from! We take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed process, we recommend relocating employees to provide remarks on the positive features of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.

Don't sell out for too little or keep your home on the market too long.

A professional appraisal will help you make a better educated decision when determining your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. The price we charge isn't a percentage of the sales price, but rather they depend on our efforts to finish the appraisal.

On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted way to decide 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 are one the market.