Attention homeowners: Real estate appraisal services for in Panama City and Bay County
The top seven reasons why Florida homeowners hire Giles Appraisal Group, Inc.:
Do you own a house in or near Panama City? Do you need help determining the price of your real estate?
At Giles Appraisal Group, Inc., we understand the special needs of a consumer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your own home because you most likely have an 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 important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much 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 a qualified appraiser's value opinion than yours.
PMI Removal Appraisals
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". Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. At Giles Appraisal Group, Inc., we're qualified in helping homeowners just like you rid themselves of unwanted and unneeded PMI insurance.
Challenging Bay county's assessment of your property
Your local tax assessor may have your home overvalued if you live in a local area that's declining. 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 things like this, the better off you'll be. Getting an expert appraisal from Giles Appraisal Group, Inc. is your number one weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint. Giles Appraisal Group, Inc. can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a seasoned professional to double-check your appraisal for verity, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? Giles Appraisal Group, Inc. offers field reviews where we go out and check the subject and comps in question. 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 a retrospective review of any appraisal report you may have in your possession. While usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.