Attention homeowners in Montgomery and Elmore County: Need an appraisal?

See the top seven reasons AL homeowners use Mike Noble Appraisals:

Pre-listing appraisals (whether they're selling the home on their own or using an agent)
Challenge property tax assessments
To lower your mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a AL divorce, when real estate needs to be divided
To determine the true market value of property in question to settle an estate

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

At Mike Noble Appraisals, we understand the individual needs of a consumer in need of appraisal services. While our typical 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 (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, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value report than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to save money for homeowners. 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 eliminated from your loan, which will make your monthly payments go down. We are experts in helping people just like you do away with undesirable PMI insurance.

Challenge Tax Assessment

Lets say you live in an area that is declining -- your local tax assessor may have your home overvalued. This 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 earlier you take care of things like this, the better off you'll be. An appraisal report from Mike Noble Appraisals is your number one weapon when contesting your property tax assessment.

HELOC recently frozen?

If your house is near a declining area, your lender might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. Mike Noble Appraisals can provide you with efficient appraisal to help you reinstate your home equity line of credit.

We Also Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for verity? An appraiser from Mike Noble Appraisals can go out and check the subject and comps in question in a field review. Or, if you need it 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.

Need a retrospective review of an appraisal? We can help with that too. Even though this is typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.