A home appraisal is a key part of the mortgage process and one that often raises plenty of questions. Whether you’re buying or refinancing, lenders use appraisals to ensure the property’s value supports the loan amount.
This page breaks down what an appraisal is, how it works, and how to prepare for it so you can avoid surprises and move one step closer to closing day.
We believe in fair, objective valuations because your home’s worth should reflect its true potential.
Appraisals are ordered by your lender — not the buyer or seller — to ensure objectivity.
A home appraisal is a professional, third-party opinion of a property’s value. Lenders require it to confirm the home is worth what you’ve agreed to pay (or refinance).
Appraisals help protect both the lender and the buyer by preventing loans that exceed a home’s actual market value.
It’s not ideal, but it’s not the end of the deal either. Here are some options:
False – online estimates are not professional valuations.
False – they work independently to ensure neutrality.
False – inspections assess condition, not market value.
We Believe in Possibility. We Believe in You.
A fair, accurate appraisal is just one more step toward homeownership — and we’ll be with you every step of the way.
