Appraisal services for Montgomery and Elmore County homeowners

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

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Elmore county's assessment of your propertyvalue
  3. Remove PMI to reduce a mortgage payments
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a AL divorce, when real estate needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Elmore county or AL

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

At Mike Noble Appraisals, we understand the unique needs of a homeowner after appraisal services. Our usual business clients get the appraisal process and the usual "products" we deliver to them. Being a regular homeowner that most likely doesn't look at appraisals on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to better 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 own house because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your home is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value report than yours.

Appraisals to cancel PMI

A popular way to save money 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". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. At Mike Noble Appraisals, we're veterans in helping clients just like you get rid of unneeded and unwanted PMI insurance.

Challenging Elmore county's assessment of your property

Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. The sooner 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 report from Mike Noble Appraisals is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can this be unsuitable from a cash flow point of view, and bad for 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 an expert appraisal.

We Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would prefer to have a seasoned expert double-check it for accuracy or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you need it immediately, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? Mike Noble Appraisals can help with that too. Even though this is usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your property.