Why you should order an appraisal from C. Gaba Appraisals, LLC
To many, an appraisal just looks like one more thing in the long list of items for a mortgage or refinance. Most lenders still call in a local expert because the stakes are very high, even though there are a multiplying number of automated home valuation processes that may appear to be less expensive than an appraisal. You might assume that obtaining a mortgage is the only reason to acquire an appraisal, but there are other cases when the services of a certified, independent real estate professional might be helpful.
Appeal your tax assessment
If you reside in an area where the property value has depreciated, 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 can assist you in challenging your tax assessment.
Eliminating PMI for mortgage payments
When the amount being loaned to the home buyeris more than 80% of the actual value of the real estate, nearly all lenders ask homebuyers to purchase this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. More often than not, this added payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to eliminate PMI, C. Gaba Appraisals, LLC will give you a statement regarding the value of your home. The cost of the appraisal can generally be recovered in little time because you'll no longer be paying the PMI.
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Settle a divorce with less stress
A divorce is often complicated by the hard decision of who gets the home, and it can be a very horrible ordeal for both parties. Regardless of the circumstances, it's a good idea to order an appraisal from C. Gaba Appraisals, LLC so both parties are completely aware of the true market value of their home.
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 gotten a fair assessment.
Accurate and fair estate liquidation
The death 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 real estate involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Most Americans don't have dedicated estate planners or executors to manage these matters, unlike wealthier individuals. And since a home or other property often makes up an unequal share of the total estate value, understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten an honest deal.
Relocate to or from Mobile County through an employee relocation program
Employee relocation can be a stressful event, and we understand. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide feedback on the positive aspects of their property, as well as information about any recent sales or listings in their neighborhood that they want considered.
Close on your home promptly — for the right price
Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't a percentage of the sales price, but rather they are calculated on our efforts to finish the appraisal report.
We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long housesstay on the market. So, getting 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.