Real estate appraisal services for homeowners in the city of Panama City, Fl and Bay County

Check out the top seven reasons FL homeowners use Giles Appraisal Group, Inc:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge a property tax assessment
To cut a mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in Bay County or the state of FL

Own a home in or near Panama City, Fl, FL and need help deciding the value of it?
Contact Giles Appraisal Group, Inc.

We at Giles Appraisal Group, Inc understand the unique needs of a homeowner seeking appraisal services. Our typical business clients get the appraisal process and the standard documents we provide. Being a consumer that most likely doesn't see an appraisal on a regular basis,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.

For Sale By Owner (FSBO)/Pre-Listing Services

It's very hard to be objective about your own home because you probably have an emotional attachment to it. Our professional appraisers at Giles Appraisal Group, Inc are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value assessment than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. At Giles Appraisal Group, Inc, we're qualified in helping homeowners just like you rid yourselves of unwanted and unneeded PMI insurance.

Challenge property tax assessments

Lets say you live in a region that's going down -- your local tax assessor may have your house overvalued. That only means you are most likely paying more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from Giles Appraisal Group, Inc is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your home is close to a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Giles Appraisal Group, Inc can help you reinstate your home equity line of credit with efficient appraisal.

We Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd prefer to have a veteran appraiser double-check it for precision or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Giles Appraisal Group, Inc can go out and check the subject and comps in a field review. Or, if you need it ASAP, we can provide 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 with that too. Even though this is usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your house.