Attention homeowners in Panama City and Bay County: Need an appraisal?
Here are the top reasons Florida homeowners need Giles Appraisal Group, Inc.:
Own a house in or near Panama City, Florida and need help deciding the price of it?
We at Giles Appraisal Group, Inc. understand the special needs of a consumer after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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/Pre-Listing Services
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value assessment than yours.
Need to cancel PMI?
A preferred way to cut costs 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". 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, which will make your monthly payments go down. We're experienced in helping consumers just like you delete unneeded and unwanted PMI insurance.
Challenge Tax Assessment
Lets say your home is not appreciating as much as other properties close to yours -- your local tax assessor may have your house 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 earlier you take care of a matter like this, the better. An appraisal from Giles Appraisal Group, Inc. is your strongest weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in 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 help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you'd wish to have a seasoned expert double-check it for precision or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Giles Appraisal Group, Inc. can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, we can provide you with a 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 report? Giles Appraisal Group, Inc. can We can assist you. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.