Let C. Gaba Appraisals, LLC serve your appraisal needsTo a lot of us, an appraisal just looks like one more thing on the settlement sheet for a home purchase or refinance. Practically all lenders still call for a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation systems that may appear more cost-effective than an appraisal. You might assume that obtaining a mortgage is the only reason to get an appraisal, but there are more times when the services of a licensed, independent real estate professional could be helpful. 
Challenge your tax assessment in Mobile CountyIt's likely you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your home, so if values are less than what they used to be in your area, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in disputing your tax assessment. Remove PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an added insurance policy that many lenders ask buyers to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the home. This extra payment is often folded into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress 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 get rid of PMI, C. Gaba Appraisals, LLC can provide you with a statement regarding the value of your home. The price you paid for the home valuation can generally be regained in just a few months because you'll no longer be paying the PMI. Order an appraisal from C. Gaba Appraisals, LLC Order todayDivorce settlement with less stressA divorce is often complicated by the challenging decision of who maintains the house, and it can be a particularly traumatic occurrence for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from C. Gaba Appraisals, LLC so both parties are completely aware of the true market value of their house. If the parties need to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Fair and accurate estate liquidationThe loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. We ensure the fullest 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 unequal share of the total estate value, knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal. Relocate to or from Mobile County through an employee relocation programWe know the stress involved with an employee relocation. We take great care in organizing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide input on the positive features of their property, as well as information about any current sales or listings in their area that they want considered. Sell your home quickly — for an accurate priceA professional appraisal can help you make a better educated decision when determining your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are based on our efforts to finish the appraisal report and and aren't related to the sales price. We determine the difference in value items 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 an appropriate 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 are one the market. 
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