Attention homeowners: Real estate appraisal services for in Mobile and Mobile County

See the top reasons AL homeowners use M.D. Bell and Company:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
To reduce their mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If real estate property needs to be divided because of a divorce
To settle an estate in Mobile county or AL by determining the true market value of property in question

Do you own a house in or near Mobile? Do you need help determining the value of your real estate?
Contact M.D. Bell and Company.

We at M.D. Bell and Company understand the special needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. But as a general consumer,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at M.D. Bell and Company will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value opinion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. At M.D. Bell and Company, we're qualified in helping homeowners just like you do away with undesirable PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in a local area that is declining or not appreciating as much as other homes close by. This only means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. An appraisal report from M.D. Bell and Company is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be difficult and inconvenient from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. M.D. Bell and Company can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for efficiency? An appraiser from M.D. Bell and Company can go out and check the subject and comps in a field review. If you need it in a rush, we'll provide 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? M.D. Bell and Company can help with that too. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.