Attention homeowners in Montgomery and Elmore County: Need an appraisal?
The top 7 reasons AL homeowners order from Mike Noble Appraisals:
Need help deciding the value of your home in or near Montgomery, AL?
At Mike Noble Appraisals, we understand the individual needs of a customer seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale By Owner
It's very hard to be objective about your home because you probably have an emotional attachment to 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. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. The appraisal is something concrete to show your 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. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value estimation than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We are qualified in helping folks just like you delete unwanted and unneeded PMI insurance.
Challenging Elmore county's assessment of your property
Your local tax assessor may have your house overvalued if your house is not appreciating as much as other properties close by. This only means you're paying higher taxes than you should be paying. The sooner 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 appraisal from Mike Noble Appraisals is your perfect weapon.
Was your HELOC recently frozen?
If your house is in a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inopportune from a cash flow standpoint, 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 HELOC.
Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for efficiency? In a field review we'll go out and check the subject and comparables in question. Or, if you need it in a rush, 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 utilize this service if you suspect mortgage fraud related to your home.