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Attention homeowners: Real estate appraisal services for in Panama City and Bay County
Here are the top 7 reasons why Florida homeowners call on Giles Appraisal Group, Inc.:
- Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
- Challenge a property tax assessment
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To lower their monthly mortgage payment by removing PMI
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Reinstate your Home Equity Line of Credit (or HELOC)
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Review a different appraiser's report for verification
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If real estate needs to be divided because of a divorce
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Settle an estate in Florida by determining the true market value of real estate
We at Giles Appraisal Group, Inc. understand the individual needs of a homeowner in need of appraisal services.
Our usual business clients are used to the appraisal process and the standard "products" we deliver to them. But as a consumer, you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.
For-Sale-by-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your home because you probably have an emotional attachment to 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.
In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer.
It's something tangible to show the buyer.
It's an independent third party's opinion of your house's value, and not just how much you think your house is worth.
Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value judgement than yours.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if you live in a local area that is going down.
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 earlier you take care of a matter like this, the better.
Getting an appraisal from Giles Appraisal Group, Inc. is your strongest weapon when challenging your property tax assessment.
Need to remove PMI?
An attractive money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance".
Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan.
At Giles Appraisal Group, Inc., we're veterans in helping customers just like you rid themselves of unwanted PMI insurance.
Recently got a freeze to your HELOC?
Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value.
This can be inopportune from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out.
Giles Appraisal Group, Inc. can provide you with an expert appraisal to help you reinstate your home equity line of credit.
We Also Offer Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for accuracy, 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.
If you're in a rush, 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 a retrospective review of any appraisal report you may have had in the past.
Although most review work is commissioned by lenders, homeowners suspecting they've been the victim of mortgage fraud are wise to invest in a second opinion.
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Our company provides Real Estate Appraisal Services in Panama City, Panama City Beach, Santa Rosa Beach, Seagrove Beach, Destin, Rosemary Beach, Pt. St. Joe, Lynn Haven, Callaway, and other cities located in the following Florida Counties : Bay County, Walton County, Gulf County, Washington County, Okaloosa County. Commercial property, residential property, condominiums, single family, vacant land, acreage.
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