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Phone: (251) 533-2424
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Posts Tagged ‘Executor’

As of today, 3rd February 2010, the refinance rates are, as follows: (1) 30 yr Fixed Rate, Today, 5.19%, Last Week, 4.94%; (2) 15 yr Fixed Rate, Today, 4.4%, Last Week, 5.06%; (3) 5/1 ARM, Today, 4.53%, Last Week, 4.12%.

According to an article in Mortgage News Daily, “A rising trend of mortgage applications indicates an increase in home buying interest, a positive for the housing industry and economy as a whole. More home purchases can lead to more construction jobs and increased purchases of items to build a home. Furthermore, in a low mortgage rate environment, an increasing trend implies consumers are seeking out lower monthly payments which can result in increased disposable income and therefore more money to spend on discretionary items or to pay down other debt.”

The article further states, “Don’t wait for mortgage rates to decline! I stand by my statement that 4.75% could very well be the lowest mortgage rates offered in 2010…unless there is a fundamental shift in economic outlook. If you have been waiting to refinance or to buy, get out there and start the process before you miss the boat of sub 5% rates.”

Click this web-link,, to read the entire article by Victor Burek.

The Mobile Bay Metro Area, Baldwin County and Mobile County of Alabama, has ongoing (and potential future) economic projects which may have an advantage over other U. S. regions. Our real estate market should draw more positive attention in the near future.

Contact Al Cheney, Cheney Appraisal Services, Certified FHA Approved Real Estate Appraiser, Baldwin County, Mobile County, Alabama, (251) 533-2424, when requiring a residential appraisal report for refinancing, settling an estate with real property, or various other litigation reasons in Alabama. Email your orders and questions to Al at

Cheney Appraisal Services, Albert Marshall Cheney, (251) 533-2424, assists Accountants (CPAs), the Appraisal Management Companies (AMCs), Attorneys, Clients, Lenders and Property Owners in finding active and approved Certified FHA Appraisers in the State of Arkansas.

Robert W. Bennett, ARCR0334
Robert W. Bennett Appraiser
12719 Cantrell Road, Suite 200
Little Rock, Arkansas 72223

If you are looking for a “Certified” Residential Appraiser for Estate or Trust Appraisals, Fair Market Value Estimate, Insurable Value estimate, Taxable Value estimate, or just curious about the Present Value of your Home or Investment, then, contact Mr. Robert W. Bennett with 36 years experience.  Robert is a leading provider of real estate valuations for the greater Little Rock area and surrounding counties, and many other parts of the state of Arkansas.

Click the above weblink to call Robert, ask your questions and order your appraisal assignment today!

Cheney Appraisal Services, Albert Marshall Cheney, (251) 533-2424, assists the Appraisal Management Companies (AMCs), Attorneys, Certified Public Accountants (CPAs), Clients, Lenders and Property Owners in finding active and approved Certified FHA Appraisers in HUNTSVILLE, its surrounding areas, and other principal cities in the State of Alabama.

Cheney Appraisal Services provides categories of Alabama cities and towns which list only approved Certified FHA Real Estate Appraisers with website links for contact. Periodically, these categories and lists of Certified FHA Approved Appraisers will be updated by Albert Marshall Cheney.

(Certified General)
3000 15TH AVENUE
(Certified Residential)
3313 S MEMORIAL PKWY, #127
(Certified Residential)
P.O. BOX 12492

Cheney Appraisal Services, Albert Marshall Cheney, has made an effort to provide current information with only active and approved Certified FHA Appraisers with company websites. Each Certified FHA Appraiser should also be in good standing with the Federal Housing Administration (FHA) and their licensing state.

If anyone using this appraisal list has a legitimate reason why a Certified FHA Appraiser should not be listed within this appraisal listing, then forward your information to Cheney Appraisal Services,, for review and removal consideration. Thank you.

To quote an old saying, “You can’t take it with you!”  Since this fact is true, a person should always consider having a Will, a Last Will And Testament, in order to lessen the complications in settling the estate for their bereaving family.

     A person’s death has an affect on their family emotionally and financially as well as with any unforeseen future personal or legal issues when settling the estate.  Having a Will allows the decedent, deceased person, to efficiently outline their wishes in detail and properly distributes the estate, personal property and any real property owned, at the time of their death. 

     Therefore, settling an estate efficiently is important and, in some cases, can be very stressful depending on its complexity and the number of heirs.  As an executor, or personal representative, you have been entrusted in carrying out the decedent’s wishes as exactly outlined within the Will and as quickly as possible.

     When it comes to settling an estate with real property, Al Cheney, Cheney Appraisal Services, can provide a “Certified,” detailed and timely appraisal opinion report while, at the same time, understanding the family’s bereavement and any sensitive issues associated with the decedent’s Will.

     As for accountants and attorneys, they can rely on Al Cheney’s knowledge, over 30 years, in the real estate industry of the Mobile Bay Metro Area.  Al Cheney always has a primary goal of providing detailed estate appraisal reports with reliable and supported derived value opinion conclusions (Fair Market Value estimates).  As an Alabama Certified Residential Real Property Appraiser, Al Cheney, provides professional appraisal opinion reports which gives accountants, attorneys, and personal representatives solid facts and figures, in order to fulfill IRS and the State of Alabama requirements as well as the courts within Baldwin or Mobile County and any other local agencies.

     Additionally, the date of death often differs from the date of the requested appraisal assignment.  Al Cheney is familiar with the procedures and requirements necessary to perform a retroactive appraisal assignment with an effective date and a Fair Market Value opinion estimate as of the date of death.  Furthermore, contracting an appraisal assignment with Al Cheney is a fiduciary relationship ensuring the fullest degree of discretion, confidentiality binding, as outlined within the Uniform Standards of Professional Appraisal Practice (USPAP) under the ethics provision.

     In conclusion, many times, people do not fully appreciate their need in having detailed real estate appraisal opinion reports which supports the facts and figures.  Settling an estate efficiently, properly and timely are paramount when completing and submitting the necessary documents, including all real property appraisal reports, to the IRS, Baldwin or Mobile County courts, and other revenue authorities.  Having “Certified,” detailed and professional appraisal opinion reports with supporting local marketplace information demonstrates credence and should facilitate the legal process when settling estates.  Al Cheney, Cheney Appraisal Services, is ready to assist accountants, attorneys and individuals requiring estate appraisal value opinion reports!  

Albert Marshall Cheney, Cheney Appraisal Services, Mobile, Alabama, is ready to assist you with all your “Certified” estate appraisal report requirements!  Call (251) 533-2424 today!

If you require additional estate research material, Al Cheney has provided these web links for further consideration:

Section 43-2-854 Avoiding conflicts of law.

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