Let Giles Appraisal Group, Inc. handle your appraisal needsTo many, an appraisal is simply one more thing on the break-sheet for a home sale or refinance. And even though there are a budding number of automated home valuation processes that might appear to be cheaper than an appraisal, practically all lenders still need a local expert because the stakes are so high. Is getting a mortgage the only reason to acquire an appraisal? Are there also times when the services of a licensed, independent real estate professional could be helpful? You bet. 
Dispute your tax assessmentIt's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are based upon a previous assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from Giles Appraisal Group, Inc. is your best evidence when building your case. We can assist you in challenging your tax assessment. Eliminate PMI to lower your mortgage paymentWhen the amount being loaned to the buyeris more than 80% of the actual value of the real estate, nearly all lenders ask homeowners to purchase this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. This added payment is often bundled into the monthly mortgage payment and is soon forgotten. PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, Giles Appraisal Group, Inc. will produce a statement regarding the value of your home. The cost of the appraisal can generally be regained in little time because you'll no longer be paying the PMI. Order your appraisal from Giles Appraisal Group, Inc. today Order onlineDivorce settlement with less stressA divorce can be an especially daunting experience for both parties, and it is often more complicated by the troublesome decision of who maintains the property. So both parties are fully aware of the true market value of their property, it's a good idea to get an appraisal from Giles Appraisal Group, Inc., regardless of the circumstances. If the parties wish to sell the home, they'll have a clearer picture of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Fair and accurate estate liquidationThe loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion. Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to handle these matters. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal. Move to or from Bay County for workWe are aware of the stress involved with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide input on the positive attributes of their property, along with information regarding any current sales or listings in their neighborhood that they want considered. Close on your home quickly — for the right priceA professional appraisal can help you make a more informed decision when determining your selling price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees are calculated on our efforts to complete the appraisal report and not a percentage of the sales price. On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long homesare on the market. So, getting a professional appraisal is a reliable way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time. 
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