Let C. Gaba Appraisals, LLC handle your appraisal needsTo a lot of people, an appraisal is simply another fee on the break-sheet for a home sale or refinance. And while there are a budding number of automated home valuation processes that might appear to be less expensive than an appraisal, almost all lenders still want a local expert because the stakes are incredibly high. You might believe that obtaining a mortgage is the only basis for getting an appraisal, but there are additional cases when the services of a licensed, independent real estate professional could 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 declined. Ad Valorem taxes are based upon a past assessment of your real estate, so if prices have declined in your neighborhood, you can appeal your assessment and save money. An appraisal from C. Gaba Appraisals, LLC is your best evidence when building your case. We can assist you in appealing your tax assessment. Remove PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an additional insurance policy that nearly all lenders ask home buyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the real estate. This additional payment is often folded into the monthly mortgage payment and is soon forgotten. This is damaging because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to get rid of PMI, C. Gaba Appraisals, LLC will give you a statement regarding the value of your home. The price you paid for the home valuation can generally be recovered in little time because you'll no longer be paying the PMI. Order an appraisal from C. Gaba Appraisals, LLC Order todayDivorce settlement with fewer hang-upsA divorce is a particularly horrible experience for the parties involved, and it is often more complicated by the challenging decision of who keeps the property. Regardless of the situation, it's a good idea to order an appraisal from C. Gaba Appraisals, LLC so both parties are entirely aware of the true market value of their property. If the parties wish 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. Determine a fair and accurate valuation for estate liquidationThe 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 guarantee the highest 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 handle these affairs, unlike wealthy 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 received an honest deal. Move to or from Mobile County through an employee relocation programEmployee relocation is a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our detailed inspection, we suggest relocating employees to provide input on the positive characteristics of their property, along with information about any new sales or listings in their neighborhood that they want considered. Close on your home quickly — for an accurate priceWhether you decide 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. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to complete the appraisal report. We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesare on the market. So, getting 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. 
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