Why you should hire an appraiser

To many, an appraisal is simply another fee on the break-sheet for a mortgage or refinance. Almost all lenders still need a local expert because the stakes are so high, even though there are a growing number of automated home valuation methods that may appear more prudent 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 could come in handy? Of course there are.

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

Appeal your tax assessment

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 can assist you in appealing your tax assessment.

Remove PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance policy that most lenders ask home owners to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the home. Seeing that additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is bad because PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, C. Gaba Appraisals, LLC can produce a statement regarding the value of your home. The expense of the appraisal can often 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 an especially daunting experience 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, LLC so both parties are entirely 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 clearer picture of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Ascertain an accurate and fair valuation for estate liquidation

The loss of a loved one is a difficult 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. We ensure the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these affairs. And since a home or other property often makes up an unequal share of the total estate value, knowing the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received an honest deal.

Relocate to or from Mobile County through an employee relocation program

We know the stress associated with an employee relocation. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, along with information about any new sales or listings in their area that they want considered during our thorough inspection.

Sell your home promptly — at 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 will help you make a better educated decision when determining your asking price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees aren't related to the sales price, but rather they are calculated on our efforts to finish the appraisal report.

We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a reliable 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.

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