Reasons someone would call C. Gaba Appraisals

Every year, thousands of people in Alabama purchase, sell or refinance their home. A lot of these transactions include a simple line item for an appraisal. Even though there are a developing number of automated home valuation methods that may appear to be more prudent than an appraisal, the majority of lenders still need a local expert because the stakes are very high. You might think that getting a mortgage is the only reason to get an appraisal, but there are additional times when the services of a certified, independent real estate professional could be beneficial.


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Dispute your tax assessment in Mobile County

If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from C. Gaba Appraisals is your best evidence when building your case. We're capable of assisting you in appealing your tax assessment.

Eliminating PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that many lenders ask home buyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. This extra payment is often bundled into the monthly mortgage payment and is soon forgotten. PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, C. Gaba Appraisals can provide you with a statement regarding the value of your home. The price you paid for the home valuation can usually be recovered in little time because you'll no longer be paying the PMI.

An appraisal from C. Gaba Appraisals will help you settle a divorce with less stress

A divorce is a particularly traumatic ordeal for the parties involved, and it is often even more complicated by the difficult decision of who gets the home. It's a good idea to get an appraisal from C. Gaba Appraisals so both parties are entirely aware of the true market value of their property, regardless of the circumstances.

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 gotten a fair evaluation.

Fair and accurate estate liquidation with help from C. Gaba AppraisalsSettling an estate

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.

C. Gaba Appraisals can help you with relocating to or from Mobile County

Employee relocation can be a real pain. We know where you're coming from. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive process, we suggest relocating employees to provide remarks on the positive features of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered.

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

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision regarding your selling price. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are calculated on our efforts to perform the appraisal report and not a percentage of the sales price.

On a daily basis, we determine the difference in value items like an extra bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted way to decide what improvements will add value and what a suitable 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 homes stay on the market.