What Is an Appraisal?
An appraisal determines the market value of the home. It’s conducted by a licensed appraiser, typically required by your lender to confirm the property’s worth before approving your loan.
Appraisers evaluate:
- Recent comparable home sales in the area
- Square footage, layout, and upgrades
- Condition of the property
- Location, neighborhood, and market trends
Why it matters:
- Protects you and your lender from overpaying
- Impacts your loan amount and approval
- Ensures the purchase price reflects true market value
Pro Tip: An appraisal protects both the buyer and the lender — it keeps the deal fair and realistic.
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