Real estate appraisal services for homeowners in the city of Montgomery and Elmore County
Here are the top reasons AL homeowners call on Mike Noble Appraisals:
Own a home in or near Montgomery, AL and need help determining the price of it?
At Mike Noble Appraisals, we understand the unique needs of a customer looking for appraisal services. Our regular business clients get the appraisal process and the customary reporting formats. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.
Pre-listing Services/For Sale By Owner
It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Mike Noble Appraisals, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value assessment than yours.
Need to cancel PMI?
A fashionable 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 amount is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are qualified in helping customers just like you get rid of unwanted and unneeded PMI insurance.
Challenge Elmore county's assessment of your property
Your local tax assessor may have your house overvalued if you live in a local area that's declining. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal from Mike Noble Appraisals is your best weapon.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. Not only can this be disadvantageous from a cash flow viewpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Mike Noble Appraisals can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for preciseness or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Mike Noble Appraisals can go out and check the subject and comparables in a field review. Or, if you're in a hurry, we can 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 report you may have had in the past. While usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.