Attention homeowners in Montgomery and Elmore County: Need an appraisal?
The top 7 reasons AL homeowners hire Mike Noble Appraisals:
Need help deciding the value of your house in or near Montgomery, AL?
We at Mike Noble Appraisals understand the individual needs of a consumer seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. But as a consumer,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Mike Noble Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value estimation than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. Mike Noble Appraisals is qualified in helping folks just like you delete undesirable PMI insurance.
Challenging Elmore county's assessment of your property
If you live in a region that is declining or not appreciating as much as other houses nearby, your local tax assessor may have your house overvalued. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. Getting an appraisal from Mike Noble Appraisals is your #1 weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. 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. A professional 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 would prefer to have a seasoned expert double-check it for preciseness or do you want a second opinion without the charge 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're in a hurry, 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.
We can also provide you with a a retrospective review of any appraisal report you may have had done before. Even though this is usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.