Why you should get an appraisal from C. Gaba Appraisals, LLC

Thousands of people in Alabama purchase, sell or refinance their home each month. Many of these transactions have a simple line item for an appraisal. Even though there are a developing number of automated home valuation systems that may seem more cost-effective than an appraisal, most lenders still want a local expert because the stakes are so high. Is obtaining a mortgage the only reason to get an appraisal? Are there also times when the services of a certified, independent real estate professional might be helpful? Absolutely.

Let C. Gaba Appraisals, LLC help you lower your mortgage payment

Challenge your tax assessment in Mobile County

If you are in an area where the property value has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're equipped to assist you in disputing your tax assessment.

Removing PMI for mortgage payments

When the amount being loaned to the home buyeris more than 80% of the actual value of the real estate, many lenders ask homeowners to take out this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Most often, this extra payment is bundled into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, C. Gaba Appraisals, LLC can produce a statement regarding the value of your home. The price you paid for the appraisal can often be regained in little time because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce is often complicated by the troublesome decision of who gets the house, and it can be a very daunting occurrence for both parties. So both parties are fully aware of the true market value of their home, it's a good idea to order an appraisal from C. Gaba Appraisals, LLC, regardless of the situation.

The parties will have a better idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Determine an accurate and fair valuation for estate liquidation

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. We ensure the utmost 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 do not have dedicated estate planners or executors to take care of these matters. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocate to or from Mobile County through an employee relocation program

Employee relocation can be a stressful event, and we understand. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide feedback on the positive attributes of their property, along with information regarding any recent sales or listings in their area that they want considered.

Sell your home quickly — for an accurate price

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to finish the appraisal report.

We analyze the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted way to determine 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 houses are one the market.

Let C. Gaba Appraisals, LLC assist you in selling your home quickly at the right price