Real estate appraisal services for homeowners in the city of Montgomery and Elmore County

Here are the top seven reasons AL homeowners use Mike Noble Appraisals:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to reduce your monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a AL divorce, when property needs to be divided
  7. To settle an estate in Elmore county or AL by determining the true market value of property in question

Need help determining the price of your house in or near Montgomery, AL?
Contact Mike Noble Appraisals.

At Mike Noble Appraisals, we understand the special needs of a customer in need of appraisal services. Our customary business clients understand the appraisal process and the standard documents we provide. As our non-traditionalclient, we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Mike Noble Appraisals, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value estimation than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. We're seasoned in helping folks just like you remove unneeded PMI insurance.

Challenging property tax assessments

If you live in an area that is declining or not appreciating as much as other properties close to yours, your local tax assessor may have your house overvalued. That means you're most likely paying more taxes than you should. The faster 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. When challenging your property tax assessment, getting an expert appraisal from Mike Noble Appraisals is your best weapon.

HELOC recently frozen?

Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow standpoint. Mike Noble Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for precision? Mike Noble Appraisals offers field reviews where we'll go out and check the subject and comparables. Or, if you need it ASAP, 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 done before. Even though this is typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your home.