Appraisal services for Panama City and Bay County homeowners
See the top 7 reasons Florida homeowners need Giles Appraisal Group, Inc.:
Own a house in or near Panama City, Florida and need help determining the price of it?
At Giles Appraisal Group, Inc., we understand the unique needs of a customer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about 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 an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value estimation than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your house, 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. Giles Appraisal Group, Inc. is experienced in helping homeowners just like you delete unneeded PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your house overvalued if you live in a local area that is going down. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. Getting an appraisal report from Giles Appraisal Group, Inc. is your chief weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be be detrimental to 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 home equity line of credit with efficient appraisal.
Need Field and Desktop Appraisal Review Services?
Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a veteran appraiser to double-check your appraisal for precision? We can go out and check the subject and comps in question in a field review. Or, if you need it immediately, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.
Need a retrospective review of an appraisal? We can We can assist you Even though this is typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your property.