Attention homeowners: Real estate appraisal services for in Lafayette and Lafayette County

Here are the top seven reasons why LA homeowners hire Bonnet Appraisals:

Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge a property tax assessment
Remove PMI to cut their mortgage payments
To reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
To settle an estate in Lafayette county or LA by determining the true market value of real estate in question

Need help deciding the value of your home in or near Lafayette, LA?
Contact Bonnet Appraisals.

We at Bonnet Appraisals understand the particular needs of a homeowner after appraisal services. Our regular business clients get the appraisal process and the customary documents we provide. As our client, you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value conclusion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. At Bonnet Appraisals, we're qualified in helping homeowners just like you dismiss unnecessary PMI insurance.

Challenge Lafayette county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that's declining. This means you are going to pay higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Bonnet Appraisals is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your house is near a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be disadvantageous from a cash flow point of view, and damaging to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Bonnet Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would wish to have a seasoned expert double-check it for preciseness or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. Or, if you need it in a rush, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can help you with that Even though this is usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.