Reasons someone would need Mike Noble Appraisals

To a lot of us, an appraisal is simply a line item on the break-sheet for a mortgage or refinance. The majority of lenders still call in a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation processes that might seem more cost-effective than an appraisal. You might think that securing a mortgage is the only basis for getting an appraisal, but there are other cases when the services of a certified, independent real estate professional could come in handy.


	For real estate appraisals in Montgomery and Elmore County, it's easiest when your order online from Mike Noble Appraisals, just click here.

Challenge your tax assessment in Elmore County

It'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 home, so if values have gone down in your neighborhood, you can appeal your assessment and save money. An appraisal from Mike Noble Appraisals is your best evidence when building your case. We're capable of assisting you in appealing your tax assessment.

Let Mike Noble Appraisals help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the real estate, most lenders ask buyers to take out an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Most often, this extra payment is folded into the monthly mortgage payment and is promptly forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to eliminate the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

Mike Noble Appraisals can provide you with a statement regarding the value of your home, and the expense of the home valuation can often be recovered in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Mike Noble Appraisals

A divorce is often complicated by the burdensome decision of who maintains the house, and it can be a very heartbreaking ordeal for both parties. So both parties are fully aware of the true market value of their home, it's a good idea to get an appraisal from Mike Noble Appraisals, regardless of the circumstances.

If the parties want 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 received a fair assessment.

Accurate and fair estate liquidation with Mike Noble AppraisalsSettling an estate

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Most Americans do not have dedicated estate planners or executors to manage these issues, unlike many wealthy individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the correct value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Let Mike Noble Appraisals assist you in relocating to or from Elmore County

Moving due to a job change can be a more than just an inconvenience, and we understand. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive process, we recommend employees that are moving to provide remarks on the positive aspects of their property, as well as information about any current sales or listings in their area that they want considered.

Sell your home quickly at the right price with an appraisal from Mike Noble Appraisals

A professional appraisal can help you make a better educated decision when determining your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. The price we charge isn't a percentage of the sales price, but rather they depend on our efforts to complete the appraisal.

We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted way to determine 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 houses are one the market.