Attention homeowners in Greater New Orleans: Need an appraisal?

Here are the top seven reasons why New Orleans Area homeowners hire Debra Hebert:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge a property tax assessment
To reduce their monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
Settle an estate in Louisiana by determining the true market value of real estate


	Do you own a home in Greater New Orleans? Do you need help determining the price of your real estate? Contact Debra Hebert.

At Debra Hebert, we understand the particular needs of a customer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. But as a consumer, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Debra Hebert, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value assessment than yours.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that is declining. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. Getting an expert appraisal from Debra A. Hebert is your best weapon when challenging your property tax assessment.

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. 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 your lender to have the PMI eliminated from your loan. We're experienced in helping people just like you delete unneeded PMI insurance.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be disadvantageous from a cash flow angle, and damaging to your credit score since it may appear as though that credit line is maxed out. Debra Hebert can provide you with an expert appraisal that will help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for precision? An appraiser from Debra Hebert can go out and check the subject and comps in a field review. If you need it 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 you with a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.