Attention homeowners: Real estate appraisal services for in Montgomery and Elmore County

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

Find the right listing price (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
To reduce your mortgage payment 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 property needs to be divided
To determine the true market value of property in question to settle an estate in Elmore County or the state of AL

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

At Mike Noble Appraisals, we understand the unique needs of a consumer after appraisal services. Our customary business clients understand the appraisal process and the standard "products" we deliver to them. As our client, you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.

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

It's very hard to be objective about your own house because of your emotional attachment to it. The professional appraisers at Mike Noble Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.

Appraisals to remove PMI

A preferred way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. We're qualified in helping people just like you dismiss unneeded PMI insurance.

Challenge a property tax assessment

Lets say you live in a region that's declining -- your local tax assessor may have your home overvalued. That means you're paying more taxes than you should. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from Mike Noble Appraisals is your #1 weapon.

Recently got a freeze your HELOC?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is 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 viewpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Mike Noble Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd wish to have a seasoned appraiser double-check it for precision or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Mike Noble Appraisals can go out and check the subject and comps in a field review. If you need it in a rush, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.