Attention homeowners in Huntsville and Madison County: Get an Appraisal today!

Here are the top 7 reasons why Alabama homeowners need Gibson Appraisals:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To cut their mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate needs to be divided because of a divorce
To settle an estate in Alabama by determining the true market value of the real estate in question


	Own a home in or near Huntsville, Alabama and need help determining the value of it? Contact Gibson Appraisals.

At Gibson Appraisals, we understand the unique needs of a consumer seeking appraisal services. Our customary business clients understand the appraisal process and the usual "products" we deliver to them. Being a consumer that most likely doesn't look at appraisals every day, you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.

For Sale by Owner/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value report than yours.

Challenge property tax assessments

Let's say you live in a local area that's declining -- your local tax assessor may have your house overvalued. This means you are most likely paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from Gibson Appraisals is your best weapon when contesting your property tax assessment.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. We're veterans in helping customers just like you get rid of unwanted PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow standpoint. Gibson Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd prefer to have an expert double-check it for verity or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it ASAP, we'll provide desk review and verify as many facts as we can, using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? We can help with that too. While typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.