Attention homeowners in Montgomery and Elmore County: Get an Appraisal today!

The top seven reasons Alabama homeowners call on Mike Noble Appraisals:

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


	Need help deciding the value of your house in or near Montgomery, Alabama? Contact Mike Noble Appraisals.

We at Mike Noble Appraisals understand the unique needs of a homeowner after appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. Being a person not in the real estate business that probably doesn't look at appraisals every day, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.

For-Sale-by-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Mike Noble Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

Challenge property tax assessments

Let's say you live in an area that is going down -- your local tax assessor may have your house overvalued. That only means you're probably paying more taxes than you should. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from Mike Noble Appraisals is your chief weapon when contesting your property tax assessment.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. Mike Noble Appraisals is experienced in helping folks just like you dismiss unwanted PMI insurance.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be inconvenient from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out. Mike Noble Appraisals can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for preciseness, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you're in a hurry, we'll provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have had in the past. While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.