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

Thousands of people in Alabama purchase, sell or refinance their home each year. Most of these transactions involve a simple line item for an appraisal. Nearly all lenders still call in a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation systems that might seem less expensive than an appraisal. Is getting a mortgage the only basis for getting an appraisal? Are there also times when the services of a certified, independent real estate professional might be beneficial? You bet there are.

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

Contest your tax assessment in Mobile County

If you live 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. At C. Gaba Appraisals, LLC, we're qualified to assist you in disputing your tax assessment.

Eliminating PMI for mortgage payments

Private Mortgage Insurance, or PMI, is a supplemental insurance policy that almost all lenders ask home owners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the property. Since the extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls 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 payments when the loan-to-value ratio conditions have been met.

C. Gaba Appraisals, LLC will produce a statement regarding the value of your home, and the price you paid for the home valuation can usually be offset in a short amount of time because you'll no longer be paying the PMI.

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

A divorce can be an especially traumatic ordeal for both parties, and it is often even more complicated by the troublesome decision of who keeps the house. Regardless of the situation, it's a good idea to get an appraisal from C. Gaba Appraisals, LLC so both parties are entirely aware of the true market value of their property.

The parties will have a clearer picture of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Fair and accurate estate liquidation

Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the utmost degree of discretion.

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these issues. A home or other property often makes up an uneven share of the total estate value, so knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received an honest deal.

Relocate to or from Mobile County through an employee relocation program

Employee relocation is a stressful event, and we understand. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered during our intensive inspection.

Close on your home promptly — for an accurate price

Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. Apart from 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 depend on our efforts to complete the appraisal report.

We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted way to decide 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 properties stay on the market.

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