Attention homeowners in Panama City and Bay County: Need an appraisal?
See the top reasons Florida homeowners use Giles Appraisal Group, Inc.:
Need help deciding the value of your house in or near Panama City, Florida?
At Giles Appraisal Group, Inc., we understand the individual needs of a homeowner after appraisal services. While our typical business 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 (FSBO)
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Giles Appraisal Group, Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value conclusion than yours.
PMI Removal Appraisals
A fashionable way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Giles Appraisal Group, Inc., we're qualified in helping clients just like you rid yourselves of unwanted PMI insurance.
Challenging Bay county's assessment of your property
If you live in an area that is going down or is not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. That means you're going to pay more taxes than you should. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Giles Appraisal Group, Inc. is your chief weapon.
HELOC recently frozen?
Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. Giles Appraisal Group, Inc. can provide you with efficient appraisal that will help you reinstate your home equity line of credit.
Do You Need Field and Desktop Appraisal Review Services?
Have you just gotten a copy of your appraisal and you would like to have a veteran appraiser double-check it for accuracy or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, 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.
We can also provide a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.