Attention homeowners: Real estate appraisal services for in Montgomery and Elmore County
See the top reasons AL homeowners need Mike Noble Appraisals:
Need help deciding the price of your home in or near Montgomery, AL?
We at Mike Noble Appraisals understand the individual needs of a customer seeking appraisal services. Our customary business clients understand the appraisal process and the usual documents we provide. Being a homeowner that ordinarily doesn't see an appraisal every day,we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we present 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. 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. A professional appraisal is a very important 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 buyers. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value conclusion than yours.
Need to cancel PMI?
A popular money saver for homeowners is to get 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 the lender to have the PMI eliminated from your loan. We're seasoned in helping customers just like you abolish undesirable PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in an area that's going down or is not appreciating as much as other properties close to yours. This means you are going to pay higher taxes than you should be paying. The faster you take care of a matter like this, the better, 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 #1 weapon.
HELOC recently frozen?
If your property is in or near a declining area, your lender may just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow standpoint. A professional appraisal from Mike Noble Appraisals can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for verity? In a field review we will go out and check the subject and comps in question. 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.
Do you need a retrospective review of an appraisal report? Mike Noble Appraisals can help you with that. Even though this is usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.