Why get an appraisal from Carmouche Appraisal Services?

Here are the top seven reasons why Louisiana homeowners use Carmouche Appraisal Services:

  1. Get a Pre-Listing Appraisal (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a property tax assessment
  3. Remove PMI to cut your mortgage payments
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate

 Do you need help determining the value of your real estate?
Contact Carmouche Appraisal Services.

We at Carmouche Appraisal Services understand the unique needs of a consumer looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Carmouche Appraisal Services will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value report than yours.

PMI Removal Appraisals

A preferred way to cut expenses for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. We are seasoned in helping people just like you abolish undesirable PMI insurance.

Challenge Jefferson county's assessment of your property

Lets say you live in a region that is going down -- your local tax assessor may have your house overvalued. That only means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. Getting a professional appraisal from Carmouche Appraisal Services is your best weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your property is close to a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be troublesome from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Carmouche Appraisal Services can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would like to have a veteran appraiser double-check it for efficiency or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Carmouche Appraisal Services can go out and check the subject and comparables in a field review. If you're in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have in your possession. Even though this is usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your house.