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, http://www.mortgagenewsdaily.com/consumer_rates/132989.aspx, 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, Certified FHA Approved Real Estate Appraiser, (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 Albert@CheneyAppraisalServices.com/.

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser in Mobile, Alabama, (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 PORT ST. LUCIE and other principal cities in the State of Florida.

Cheney Appraisal Services provides categories of Florida 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 Real Estate Appraisers will be updated by Albert Marshall Cheney.

PORT ST. LUCIE, FLORIDA
http://www.getkmappraisals.com/

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County & Mobile County of  Alabama, (251) 533-2424, has made an effort to provide current information with only active and approved Certified FHA Real Estate 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 Real Estate Appraiser should not be listed within this appraisal listing, then forward your information to Cheney Appraisal Services, Albert@CheneyAppraisalServices.com, for review and removal consideration. Thank you!

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraisers in Mobile, Alabama, (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 Real Estate Appraisers in CAPE CORAL and other principal cities in the State of Florida.

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

CAPE CORAL, FLORIDA
http://www.hensleyrealestate.net/

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County & Mobile County of  Alabama, (251) 533-2424, has made an effort to provide current information with only active and approved Certified FHA Real Estate Appraisers with company websites. Each Certified FHA Real Estate 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 Approved Appraiser should not be listed within this appraisal listing, then forward your information to Cheney Appraisal Services, Albert@CheneyAppraisalServices.com, for review and removal consideration. Thank you!

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraisers in Mobile, Alabama, (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 TALLAHASSEE and other principal cities in the State of Florida.

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

TALLAHASSEE, FLORIDA
http://www.timberlanevalue.com/

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County & Mobile County of Alabama, (251) 533-2424, 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 Approved Real Estate Appraiser should not be listed within this appraisal listing, then forward your information to Cheney Appraisal Services, Albert@CheneyAppraisalServices.com, for review and removal consideration. Thank you!

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County & Mobile County of Alabama, (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 FORT LAUDERDALE and other principal cities in the State of Florida.

Cheney Appraisal Services provides categories of Florida 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.

FORT LAUDERDALE, FLORIDA
http://www.allfloridaappraisal.com/

http://www.tricounty1.com/

http://www.garaziappraisalservices.com/

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County & Mobile County (Mobile, Alabama), (251) 533-2424, has made an effort to provide current information with only active and approved Certified FHA Real Estate Appraisers with company websites. Each Certified FHA Approved 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 Approved Real Estate Appraiser should not be listed within this appraisal listing, then forward your information to Cheney Appraisal Services, Albert@CheneyAppraisalServices.com, for review and removal consideration. Thank you!

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County & Mobile County of Alabama, (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 HIALEAH and other principal cities in the State of Florida.

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

HIALEAH, FLORIDA
http://hialeahflappraiser.com/

http://www.appraisersolutions.biz/

http://www.continentalappraisalsinc.com/

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Mobile, Alabama, (251) 533-2424, has made an effort to provide current information with only active and approved Certified FHA Real Estate Appraisers with company websites. Each Certified FHA Approved 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, Albert@CheneyAppraisalServices.com, for review and removal consideration. Thank you!

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County & Mobile County, Alabama, (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 Real Estate Appraisers in ORLANDO and other principal cities in the State of Florida.

Cheney Appraisal Services provides categories of Florida 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.

ORLANDO, FLORIDA
http://metropolisappraisal.com/

http://hoffmanappraisalservices.com/

http://www.matonisappraisers.com/

http://www.torkos.com/

http://www.mandinoinc.com/

http://www.realestateconsortium.com/

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Spanish Fort & Mobile, Alabama, (251) 533-2424, has made an effort to provide current information with only active and approved Certified FHA Real Estate Appraisers with company websites. Each Certified FHA Approved 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 Approved Real Estate Appraiser should not be listed within this appraisal listing, then forward your information to Cheney Appraisal Services, Albert@CheneyAppraisalServices.com, for review and removal consideration. Thank you!

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 SAINT PETERSBURG and other principal cities in the State of Florida.

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

SAINT PETERSBURG, FLORIDA
http://www.graceappraisal.com/

http://www.recatampabay.com/

http://www.asset-value.com/

http://gulf-to-bay-appraisals.com/

http://www.entrekenassociates.com/

http://www.rickclarkappraisals.com/

http://www.jdmlproperty.com/

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Mobile, Alabama, 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, Albert@CheneyAppraisalServices.com, for review and removal consideration. Thank you.

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 TAMPA and other principal cities in the State of Florida.

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

TAMPA, FLORIDA

http://www.bakerappraisal.net/

http://www.sanders-realty.com/

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Mobile, Alabama, 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, Albert@CheneyAppraisalServices.com, for review and removal consideration. Thank you.

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 JACKSONVILLE and other principal cities in the State of Florida.

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

JACKSONVILLE, FLORIDA
www.ResidentialValuationGroup.com/
Joseph G. Daniels, FLRD4749
Residential Valuation Group
4083 Sunbeam Road, #1701
Jacksonville, FL 32257

www.KoutnikAppraisals.com/
Wade M. Koutnik, FLRD6390
Koutnik Appraisal Group, Inc.
13820 Old St. Augustine Road
Jacksonville, FL 32258

www.AppraiseJax.com/
Michael W. Phillips, FLRD4179
Florida Certified Appraiser, Inc.
2415 Blanding Blvd, Suite 5
Jacksonville, FL 32210

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Mobile, Alabama, 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, Albert@CheneyAppraisalServices.com, for review and removal consideration. Thank you.