Appraisal services for Panama City and Bay County homeowners
Check out the top seven reasons why FL homeowners need Giles Appraisal Group, Inc.:
Need help deciding the value of your house in or near Panama City, FL?
At Giles Appraisal Group, Inc., we understand the particular needs of a customer after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 own home, 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 valuable 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 many interested buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much 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 a qualified appraiser's value judgement than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated 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 delete unneeded PMI insurance.
Challenge a property tax assessment
If you live in a local area that is declining or is not appreciating as much as other homes close to yours, your local tax assessor may have your home overvalued. That means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. Getting a professional appraisal from Giles Appraisal Group, Inc. is your best weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be inconvenient from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Giles Appraisal Group, Inc. can provide you with efficient appraisal to help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you'd like to have a professional double-check it for preciseness or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you need it ASAP, 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 you with a a retrospective review of any appraisal report you may have had done before. Even though this is typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your property.