Ordering an appraisal from Giles Appraisal Group, Inc. To a lot of us, an appraisal just looks like one more thing in the long list of items for a home sale or refinance. While there are a budding number of automated home valuation processes that might appear more practical than an appraisal, nearly all lenders still need a local expert because the stakes are so high. You might believe that getting a mortgage is the only reason to get an appraisal, but there are additional situations when the services of a licensed, independent real estate professional could come in handy. When you're planning on any transaction where the value of your property is in question, just contact Giles Appraisal Group, Inc.. Just click here Dispute your tax assessment in Bay County It's quite possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a past assessment of your home, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. When building your case, an appraisal from Giles Appraisal Group, Inc. is your best evidence. At Giles Appraisal Group, Inc., we're equipped to assist you in disputing your tax assessment. How can you get rid of PMI to lower your mortgage payment? When the amount being loaned to the home buyer is more than 80% of the actual value of the home, almost all lenders ask home owners to buy an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this extra payment is bundled into the monthly mortgage payment and is promptly forgotten. This is unfortunate because PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, Giles Appraisal Group, Inc. can provide you with a statement regarding the value of your home. The expense of the home valuation can often be offset in a short amount of time because you'll no longer be paying the PMI. Settling a divorce with less stress A divorce is often complicated by the challenging decision of who gets the house, and it can be a very traumatic ordeal for both parties. So both parties are fully aware of the true market value of their home, it's a good idea to order an appraisal from Giles Appraisal Group, Inc., regardless of the situation. The parties will have a a good idea of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Settling an estate with peace of mind The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. We guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Most Americans do not have dedicated estate planners or executors to manage these issues, unlike wealthy individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the precise value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal. Giles Appraisal Group, Inc. can help you with relocating to or from Bay County Moving due to a job change can be a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough process, we encourage relocating employees to provide feedback on the positive aspects of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered. Selling your home quickly at the right price with an appraisal from Giles Appraisal Group, Inc. Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision regarding your asking price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are based 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. Obtaining a professional appraisal is a trusted 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 - because we're experts in knowing how long properties are one the market.

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.