Let Mike Noble Appraisals attend to your appraisal needsThousands of people in Alabama buy, sell or refinance their home every year. Most of these transactions contain a simple line item for an appraisal. Even though there are a multiplying number of automated home valuation systems that might seem less expensive than an appraisal, most lenders still need a local expert because the stakes are so high. You might assume that getting a mortgage is the only reason you should get an appraisal, but there are more instances when the services of a certified, independent real estate professional could come in handy. 
Dispute your tax assessmentIt's probable you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are determined by a past assessment of your home, so if prices have gone down in your area, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. At Mike Noble Appraisals, we're equipped to assist you in disputing your tax assessment. PMI removal to reduce your mortgage paymentWhen the amount being loaned to the homebuyeris more than 80% of the actual value of the real estate, most lenders ask buyers to buy this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, Mike Noble Appraisals can produce a statement regarding the value of your home. The cost of the appraisal can generally be regained in little time because you'll no longer be paying the PMI. Get your appraisal from Mike Noble Appraisals Order todayGet a fair valuation on a home for divorce settlementsA divorce is an especially daunting event for the parties involved, and it is often even more complicated by the troublesome decision of who keeps the home. Regardless of the situation, it's a good idea to order an appraisal from Mike Noble Appraisals so both parties are fully aware of the true market value of their property. The parties will have a better idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Determine an accurate and fair valuation for estate liquidationThe death of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest degree of discretion. Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to take care of these issues. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal. Move to or from Elmore County through an employee relocation programWe know the headaches involved with an employee relocation. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide remarks on the positive attributes of their property, along with information about any new sales or listings in their neighborhood that they want considered. Close on your home promptly — for an accurate priceA professional appraisal will help you make a more informed decision when determining your asking price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they depend on our efforts to complete the appraisal report. On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long homesstay on the market. So, seeking a professional appraisal is a reliable way to decide what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time. 
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