Real estate appraisal services for homeowners in the city of Montgomery and Elmore County
See the top seven reasons AL homeowners call on Mike Noble Appraisals:
Do you own a home in or near Montgomery? Do you need help determining the price of your real estate?
We at Mike Noble Appraisals understand the unique needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your own home because you most likely have an 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 price to sell at so your home will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value assessment than yours.
Appraisals to remove PMI
A popular money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. At Mike Noble Appraisals, we're experts in helping folks just like you delete unnecessary PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your home overvalued if you live in a region that's going down or is not appreciating as much as other homes close by. This only means you're paying higher taxes than you should be paying. The faster 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 expert appraisal from Mike Noble Appraisals is your chief weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your home is in or near a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Mike Noble Appraisals can help you reinstate your home equity line of credit with a professional appraisal.
Need Field and Desktop Appraisal Review Services?
Have you just accepted a copy of your appraisal and you'd like to have a seasoned expert double-check it for efficiency or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Mike Noble Appraisals can go out and check the subject and comps in a field review. 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.
We can also provide you with a a retrospective review of any appraisal you may have had in the past. Even though this is typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your property.