Real estate appraisal services for homeowners in the city of Mobile and Mobile County
See the top 7 reasons why Alabama homeowners order from C. Gaba Appraisals, LLC:
We at C. Gaba Appraisals, LLC understand the individual needs of a consumer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale by OwnerSince you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at C. Gaba Appraisals, LLC 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 house will attract buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value assessment than yours.
Challenging property tax assessmentsYour local tax assessor may have your house overvalued if you live in an area that is declining or is not appreciating as much as other properties nearby. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. An expert appraisal from C. Gaba Appraisals, LLC is your perfect weapon when challenging your property tax assessment.
Need to cancel PMI?PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are seasoned in helping clients just like you get rid of unneeded and unwanted 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. Not only can this be inconvenient from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. C. Gaba Appraisals, LLC can provide you with efficient appraisal to help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review ServicesDo you need a seasoned expert to double-check your appraisal for preciseness, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. Or, if you need it ASAP, 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? C. Gaba Appraisals, LLC can help you with that. Although most review work is requested by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are wise to invest in a second opinion.