Need an appraisal in Panama City or Bay County?
The top reasons FL homeowners order from Giles Appraisal Group, Inc.:
Do you own a house in or near Panama City? Do you need help determining the value of your real estate?
We at Giles Appraisal Group, Inc. understand the unique needs of a homeowner after appraisal services. Our usual business clients get the appraisal process and the standard reporting formats. But as a general consumer,we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your own 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 potential buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is to get the PMI removed 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 property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Giles Appraisal Group, Inc., we're qualified in helping folks just like you delete undesirable PMI insurance.
Challenge a property tax assessment
Lets say you live in a region that is going down -- your local tax assessor may have your house overvalued. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. When challenging your property tax assessment, getting an expert appraisal from Giles Appraisal Group, Inc. is your perfect weapon.
HELOC recently frozen?
Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow point of view. Giles Appraisal Group, Inc. can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Do you need a professional to double-check your appraisal for preciseness, 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 comparables in a field review. If you need it ASAP, we'll 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? Giles Appraisal Group, Inc. can help you with that. Even though this is usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.