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

Thousands of people in Alabama purchase, sell or refinance their home each year. Most of these transactions contain a simple line item for an appraisal. Most lenders still need a local expert because the stakes are very high, even though there are a growing number of automated home valuation processes that may appear to be less expensive than an appraisal. Is securing a mortgage the only reason to get an appraisal? Are there more instances when the services of a licensed, independent real estate professional might come in handy? You bet.

Let C. Gaba Appraisals, LLC assist you in lowering your mortgage payment

Contest your tax assessment

If you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from C. Gaba Appraisals, LLC is your best evidence when building your case. We're qualified to assist you in disputing your tax assessment.

Remove PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance plan that most lenders ask homeowners to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the home. This extra payment is often lumped into the monthly mortgage payment and is quickly forgotten. This is bad because PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

C. Gaba Appraisals, LLC will provide you with a statement regarding the value of your home, and the price you paid for the home valuation can generally be recovered in just a few months because you'll no longer be paying the PMI.

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Get a fair valuation on a home take make a divorce settlement less stressful

A divorce is often complicated by the burdensome decision of who gets the house, and it can be a very traumatic event for both parties. It's a good idea to get an appraisal from C. Gaba Appraisals, LLC so both parties are fully aware of the true market value of their home, regardless of the circumstances.

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

Determine a fair and accurate 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 guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans do not have dedicated estate planners or executors to take care of these issues, unlike many wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Move to or from Mobile County for work

Employee relocation is a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide input on the positive aspects of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered.

Close on your home quickly — at the right price

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision regarding your selling price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to finish the appraisal report.

On a daily basis, we determine the difference in value things like an extra bathroom or a kitchen remodel can make. Getting 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 properties stay on the market.

Let C. Gaba Appraisals, LLC help you sell your home quickly at the right price