Attention homeowners in Montgomery and Elmore County: Get an Appraisal today!

The top 7 reasons why AL homeowners use Mike Noble Appraisals:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge a property tax assessment
Remove PMI to lower their mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
To settle an estate in Elmore county or AL by determining the true market value of real estate in question

Need help determining the value of your home in or near Montgomery, AL?
Contact Mike Noble Appraisals.

At Mike Noble Appraisals, we understand the particular needs of a customer after 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.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about 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 price to sell at so your home will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value conclusion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred money saver for homeowners. Once your mortgage loan is below 80% of the value of your property, 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 experts in helping consumers just like you delete unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a region that's declining or is not appreciating as much as other homes close by. This only means you are going to pay higher taxes than you should be paying. The quicker 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. A professional appraisal from Mike Noble Appraisals is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Mike Noble Appraisals can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for accuracy, or do you desire a second opinion without the expense 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. 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 report? We can We can assist you While usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.