Reasons to order an appraisal from C. Gaba Appraisals, LLCThousands of people in Alabama purchase, sell or refinance their home each year. Most of these transactions consist of a simple line item for an appraisal. And while there are a developing number of automated home valuation systems that might seem more economical than an appraisal, most lenders still need a local expert because the stakes are very high. You might believe that getting a mortgage is the only basis for getting an appraisal, but there are other situations when the services of a certified, independent real estate professional might be beneficial. 
Contest your tax assessment in Mobile CountyIt's quite possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a past assessment of your house, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. 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 challenging your tax assessment. Remove PMI to lower your mortgage paymentWhen the amount being loaned to the buyeris more than 80% of the actual value of the real estate, almost all lenders ask home buyers to purchase this additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is damaging because PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met. C. Gaba Appraisals, LLC can provide you with a statement regarding the value of your home, and the expense of the home valuation can generally be offset in just a few months because you'll no longer be paying the PMI. Order an appraisal from C. Gaba Appraisals, LLC Order onlineSettle a divorce with fewer hang-upsA divorce is often complicated by the difficult decision of who gets the home, and it can be a very traumatic ordeal for both parties. So both parties are entirely aware of the true market value of their property, it's a good idea to get an appraisal from C. Gaba Appraisals, LLC, regardless of the circumstances. If the parties want 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 gotten a fair evaluation. Accurate and fair estate liquidationThe loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion. Most Americans don't have dedicated estate planners or executors to manage these issues, unlike wealthy individuals. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal. Relocate to or from Mobile County through an employee relocation programWe are familiar with the stress involved with an employee relocation. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, as well as information regarding any current sales or listings in their area that they want considered during our thorough inspection. Sell your home quickly — for the right priceWhether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated 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 rest on our efforts to finish the appraisal report and not a percentage of the sales price. On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted 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 properties are one the market. 
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