Attention homeowners in Panama City and Bay County: Need an appraisal?

See the top seven reasons FL homeowners use Giles Appraisal Group, Inc.:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To lower a monthly mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a FL divorce, when real estate needs to be divided
  7. Settle an estate in FL by determining the true market value of property in question

Need help determining the value of your house in or near Panama City, FL?
Contact Giles Appraisal Group, Inc..

We at Giles Appraisal Group, Inc. understand the particular needs of a homeowner in need of appraisal services. While our typical 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.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Giles Appraisal Group, Inc., are objective. We'll tell you what you need to know, not just what you want to hear. 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 house will attract many interested buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value assessment than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're veterans in helping consumers just like you delete unneeded and unwanted PMI insurance.

Challenge Tax Assessment

Lets say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. That only means you're most likely paying more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Giles Appraisal Group, Inc. is your perfect weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Giles Appraisal Group, Inc. can help you reinstate your HELOC.

Do You 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 expert double-check it for accuracy or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you're in a hurry, we can provide 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 report you may have had in the past. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.