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

The top seven reasons FL homeowners order from Giles Appraisal Group, Inc.:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Bay county's assessment of your propertyworth
  3. To lower a mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a FL divorce, where real estate property needs to be divided
  7. Determine the true market value of property in question to settle an estate

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

At Giles Appraisal Group, Inc., we understand the individual needs of a consumer after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner (FSBO)

It's very hard to be objective about your house because of your 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 price to sell at so your home will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much you think 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 accomplished appraiser's value assessment than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to save money for homeowners. 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 canceled from your loan, which will make your monthly payments go down. We're experienced in helping people just like you abolish unnecessary PMI insurance.

Challenge a property tax assessment

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

Recently got a freeze your HELOC?

Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow point of view, but it can be 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.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for verity, or do you desire a second opinion without the 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 comparables in a field review. If you're in a hurry, 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 had done before. While typically requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.