Attention homeowners: Real estate appraisal services for in Panama City and Bay County
Here are the top reasons Florida homeowners use Giles Appraisal Group, Inc.:
Do you own a home in or near Panama City? Do you need help determining the value of your real estate?
At Giles Appraisal Group, Inc., we understand the individual needs of a consumer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. As our client, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.
For Sale By Owner/Pre-Listing Services
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 will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It gives you something concrete 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 home is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value estimation than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred 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 canceled from your loan. Giles Appraisal Group, Inc. is experts in helping folks just like you abolish unneeded and unwanted PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if you live in an area that's declining or not appreciating as much as other homes close to yours. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. An appraisal report from Giles Appraisal Group, Inc. is your perfect weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Giles Appraisal Group, Inc. can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you would wish to have an expert double-check it for preciseness or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you need it ASAP, we'll 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 you may have in your possession. Even though this is usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your home.