Need an appraisal in Panama City Beach or Bay County?

See the top seven reasons why FL homeowners hire White Sands Appraisal Services:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. Challenge a property tax assessment
  3. To cut your monthly mortgage payment 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 needs to be divided
  7. To settle an estate in FL by determining the true market value of property in question

Own a home in or near Panama City Beach, FL and need help determining the price of it?
Contact White Sands Appraisal Services.

At White Sands Appraisal Services, we understand the particular needs of a homeowner looking for appraisal services. Our regular business clients get the appraisal process and the standard reporting formats. Being a regular person not in the real estate field that most likely doesn't see an appraisal on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.

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

It's very hard to be objective about your own house because of your emotional attachment to it. A professional appraiser is objective and 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 property will attract buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much 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 professional appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At White Sands Appraisal Services, we're experienced in helping folks just like you get rid of unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Lets say your home is not appreciating as much as other properties close to yours -- your local tax assessor may have your home overvalued. That only means you are most likely paying more taxes than you should. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an expert appraisal from White Sands Appraisal Services is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. Not only can this be disadvantageous from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. An appraisal from White Sands Appraisal Services can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you'd wish to have a seasoned professional double-check it for efficiency or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? White Sands Appraisal Services offers field reviews where we'll go out and check the subject and comparables in question. Or, if you need it in a rush, we can provide 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? White Sands Appraisal Services can We can assist you. Even though this is typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.