Real estate appraisal services for homeowners in the city of Montgomery and Elmore County

See the top 7 reasons why AL homeowners use Mike Noble Appraisals:

  1. 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 property
  3. To lower your mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Settle an estate in AL by determining the true market value of real estate in question

Do you own a home in or near Montgomery? Do you need help determining the value of your real estate?
Contact Mike Noble Appraisals.

We at Mike Noble Appraisals understand the particular needs of a homeowner in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. As our client, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.

For Sale By Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. A professional appraiser is objective and will 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 property will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just how much your home is worth. Potential 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 judgement than yours.

PMI Removal Appraisals

A popular way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. Mike Noble Appraisals is seasoned in helping people just like you rid themselves of unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that's going down. This only means you are most likely paying higher taxes than you should be paying. 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. Getting an appraisal report from Mike Noble Appraisals is your best weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can this be disadvantageous from a cash flow viewpoint, and harmful to 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 accepted a copy of your appraisal and you'd prefer to have a veteran appraiser double-check it for accuracy or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? Mike Noble Appraisals offers field reviews where we'll go out and check the subject and comparables in question. Or, if you're in a rush, 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? Mike Noble Appraisals can help you with that. While usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your home.