Appraisal services for Madisonville and Saint Tammany County homeowners

See the top seven reasons LA homeowners call on John D. Schembre:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge Saint Tammany county's assessment of your propertyworth
To lower a mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If property needs to be divided because of a divorce
To settle an estate in LA by determining the true market value of property in question

Own a house in or near Madisonville, LA and need help deciding the value of it?
Contact John D. Schembre.

At John D. Schembre, we understand the special needs of a consumer in need of appraisal services. Our customary business clients get the appraisal process and the standard reporting formats. As our client, you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at John D. Schembre are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI eliminated 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 property, 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. We're experienced in helping folks just like you delete unnecessary PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a region that is going down. This only means you are probably paying higher taxes than you should be paying. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from John D. Schembre is your chief weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow viewpoint. An expert appraisal from John D. Schembre can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for precision? An appraiser from John D. Schembre can go out and check the subject and comparables in a field review. Or, if you need it in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? John D. Schembre can help with that too. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.