Appraisal services for Fort Walton Beach and Okaloosa County homeowners

The top seven reasons FL homeowners use Panhandle Appraisal Group:

Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge Okaloosa county's assessment of your property
Remove PMI to cut a monthly mortgage payment
Reinstate your Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a FL divorce, when real estate property needs to be divided
Determine the true market value of property in question to settle an estate

Own a house in or near Fort Walton Beach, FL and need help deciding the price of it?
Contact Panhandle Appraisal Group.

We at Panhandle Appraisal Group understand the individual needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. But as a general consumer,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.

For Sale By Owner (FSBO)/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 Panhandle Appraisal Group 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 selling price so your home will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just 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 an expert appraiser's value estimation than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. Panhandle Appraisal Group is veterans in helping consumers just like you remove unwanted and unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other properties close to yours. That only means you're going to pay more taxes than you should. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Panhandle Appraisal Group is your number one weapon when contesting your property tax assessment.

HELOC recently frozen?

If your house is near a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inopportune from a cash flow angle, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Panhandle Appraisal Group can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for verity, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? Panhandle Appraisal Group offers field reviews where we'll go out and check the subject and comps. 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.

Need a retrospective review of an appraisal? We can help with that too. Even though this is typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.