Appraisal services for Panama City, Fl and Bay County homeowners

Check out the top 7 reasons why FL homeowners call on Giles Appraisal Group, Inc:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. Challenge Bay county's assessment of your property
  3. To cut your mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in Bay county or FL by determining the true market value of real estate in question

Do you own a house in or near Panama City, Fl? Do you need help deciding the value of your real estate?
Contact Giles Appraisal Group, Inc.

We at Giles Appraisal Group, Inc understand the individual needs of a customer in need of appraisal services. Our customary business clients are used to the appraisal process and the customary "products" we deliver to them. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Giles Appraisal Group, Inc, will be objective. We'll tell you what you need to know, not just what you want to hear. 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 concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value assessment than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to the lender to have the PMI canceled from your loan. Giles Appraisal Group, Inc is qualified in helping consumers just like you rid themselves of unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your home is not appreciating as much as other houses close by. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. Getting an appraisal report from Giles Appraisal Group, Inc is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. An efficient appraisal from Giles Appraisal Group, Inc can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for efficiency, or do you want 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. Or, if you need it immediately, we can 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 you may have had in the past. While typically requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your house.