Attention homeowners in Panama City and Bay County: Get an Appraisal today!

Here are the top 7 reasons Florida homeowners hire Giles Appraisal Group, Inc.:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. To challenge a Florida property tax assessment
  3. Remove PMI to lower your mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate in Florida

Need help determining the price of your home in or near Panama City, Florida?
Contact Giles Appraisal Group, Inc..

At Giles Appraisal Group, Inc., we understand the individual needs of a customer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. As our valued client, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your house because of your emotional attachment to it. The professional appraisers at Giles Appraisal Group, Inc. will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just how much you think 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 accomplished appraiser's value opinion than yours.

Appraisals to remove PMI

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

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is going down or not appreciating as much as other properties close by. This means you are probably paying higher taxes than you should be paying. The faster 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. Getting a professional appraisal from Giles Appraisal Group, Inc. is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. An expert appraisal from Giles Appraisal Group, Inc. can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for precision? An appraiser from Giles Appraisal Group, Inc. can go out and check the subject and comps in a field review. If you're in a hurry, 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 you with a a retrospective review of any appraisal report you may have had in the past. Even though this is typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.