Need an appraisal in Panama City or Bay County?

Check out the top seven reasons FL homeowners order from Mike Vogler Appraisals:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. To challenge a FL property tax assessment
  3. To reduce your mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a FL divorce, where real estate needs to be divided
  7. To determine the true market value of property in question to settle an estate in Bay county or FL

Do you own a home in or near Panama City? Do you need help deciding the value of your real estate?
Contact Mike Vogler Appraisals.

At Mike Vogler Appraisals, we understand the special needs of a customer in need of appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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. Our professional appraisers at Mike Vogler Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value judgement than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. At Mike Vogler Appraisals, we're veterans in helping folks just like you abolish undesirable PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that's going down or not appreciating as much as other properties nearby. That only means you are probably paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Mike Vogler Appraisals is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

If your property 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 disadvantageous from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Mike Vogler Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

We Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for precision? An appraiser from Mike Vogler Appraisals can go out and check the subject and comparables in a field review. Or, if you're 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 report? Mike Vogler Appraisals can help with that too. Even though this is usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.