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

Check out the top 7 reasons FL homeowners need Giles Appraisal Group, Inc.:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a FL property tax assessment
  3. To lower their mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a FL divorce, where real estate needs to be divided
  7. Determine the true market value of real estate in question to settle an estate

Need help determining the value of your home in or near Panama City, FL?
Contact Giles Appraisal Group, Inc..

At Giles Appraisal Group, Inc., we understand the particular needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. But as a general consumer,we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about 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 price to sell at so your property will attract buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It gives you something concrete to show your 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 assume that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value estimation than yours.

PMI Removal Appraisals

A fashionable way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 eliminated from your loan, which will make your monthly payments go down. Giles Appraisal Group, Inc. is experienced in helping homeowners just like you get rid of unnecessary PMI insurance.

Challenging Bay county's assessment of your property

Your local tax assessor may have your house overvalued if you live in an area that is declining or not appreciating as much as other houses close by. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. Getting an expert appraisal from Giles Appraisal Group, Inc. is your chief weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow angle. Giles Appraisal Group, Inc. can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for precision, or do you need 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 need it 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 you with a a retrospective review of any appraisal you may have in your possession. Even though this is usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.