Appraisal services for Montgomery and Elmore County homeowners
See the top reasons AL homeowners use Mike Noble Appraisals:
Own a home in or near Montgomery, AL and need help determining the value of it?
We at Mike Noble Appraisals understand the particular needs of a consumer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. Being a consumer that ordinarily doesn't see an appraisal every day,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.
Pre-listing Services/For Sale By Owner (FSBO)
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. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value estimation than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're seasoned in helping clients just like you delete unwanted and unneeded PMI insurance.
Challenging Elmore county's assessment of your property
Lets say your house is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. This only means you are most likely 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 off you'll be. Getting a professional appraisal from Mike Noble Appraisals is your strongest weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
If your home is in 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. Not only can this be difficult from a cash flow viewpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Mike Noble Appraisals can provide you with efficient appraisal that will help you reinstate your home equity line of credit.
We Also Offer Field and Desktop Appraisal Review Services
Do you need a seasoned appraiser to double-check your appraisal for verity, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. If you need it ASAP, we'll 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 you may have had in the past. Even though this is usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your property.