Attention homeowners in Panama City and Bay County: Get an Appraisal today!
The top seven reasons FL homeowners call on Giles Appraisal Group, Inc.:
Need help determining the value of your home in or near Panama City, FL?
At Giles Appraisal Group, Inc., we understand the individual needs of a customer looking for appraisal services. Our customary business clients are used to the appraisal process and the usual "products" we deliver to them. As our non-traditionalclient, we'll be sure you get extra guidance and explanations through the appraisal process to 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. Our professional appraisers at Giles Appraisal Group, Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value conclusion than yours.
Appraisals to remove PMI
An attractive way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. Giles Appraisal Group, Inc. is experts in helping homeowners just like you delete unnecessary PMI insurance.
Challenging Bay county's assessment of your property
Lets say you live in a local area that is declining -- your local tax assessor may have your house overvalued. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. Getting an appraisal from Giles Appraisal Group, Inc. is your best weapon when contesting your property tax assessment.
HELOC recently frozen?
Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can this be difficult from a cash flow standpoint, and harmful to 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.
Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for efficiency? In a field review we will go out and check the subject and comps. 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 you may have in your possession. While usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your house.