Need an appraisal in Panama City or Bay County?

The top 7 reasons why Florida homeowners order from Giles Appraisal Group, Inc.:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge a property tax assessment
Remove PMI to lower your monthly mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
To settle an estate in Bay county or Florida by determining the true market value of real estate in question

Own a home in or near Panama City, Florida and need help deciding the price of it?
Contact Giles Appraisal Group, Inc..

We at Giles Appraisal Group, Inc. understand the unique needs of a consumer after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Giles Appraisal Group, Inc., will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value assessment than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. We're seasoned in helping customers just like you get rid of unnecessary PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that's going down. This means you are paying higher taxes than you should be paying. 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. When challenging your property tax assessment, getting an expert appraisal from Giles Appraisal Group, Inc. is your number one weapon.

HELOC recently frozen?

Your lender might make the decision 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 troublesome from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Giles Appraisal Group, Inc. can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for efficiency or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Giles Appraisal Group, Inc. can go out and check the subject and comps in a field review. Or, if you need it in a rush, we can provide you with a 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 report? Giles Appraisal Group, Inc. can help with that too. While typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your home.