Attention homeowners in Panama City and Bay County: Need an appraisal?

Here are the top 7 reasons why Florida homeowners use 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 Florida property tax assessment
  3. Remove PMI to reduce your monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. In the case of a Florida divorce, when real estate needs to be divided
  7. To determine the true market value of real estate in question to settle an estate in Florida

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

We at Giles Appraisal Group, Inc. understand the particular needs of a consumer after appraisal services. Our usual business clients get the appraisal process and the standard documents we provide. But as a consumer,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.

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. Professional appraisers, like the ones at Giles Appraisal Group, Inc., are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Appraisals to remove PMI

A preferred way to cut expenses 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 down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experts in helping folks just like you dismiss unnecessary PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a local area that's going down or not appreciating as much as other houses close by. That means you're going to pay more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from Giles Appraisal Group, Inc. is your number one weapon.

HELOC recently frozen?

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

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for precision? An appraiser from Giles Appraisal Group, Inc. can go out and check the subject and comps in question 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.

Need a retrospective review of an appraisal report? We can We can assist you While usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your property.