{"id":23107,"date":"2026-02-26T23:01:25","date_gmt":"2026-02-26T23:01:25","guid":{"rendered":"https:\/\/infinpros.com\/?p=23107"},"modified":"2026-02-26T23:01:57","modified_gmt":"2026-02-26T23:01:57","slug":"refinance-appraisal-how-it-works-and-what-to-expect","status":"publish","type":"post","link":"https:\/\/infinpros.com\/?p=23107","title":{"rendered":"Refinance Appraisal: How It Works and What To Expect"},"content":{"rendered":"<div>\n<div id=\"block_99ce42b618ccb15a5c9f320f1b3173b8\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Refinancing your current mortgage typically requires a new appraisal of the home.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The refinance appraisal helps the bank determine the home\u2019s current value, so they can define the parameters of the loan they\u2019re willing to extend.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Appraisers will consider most of the same criteria they did in your home\u2019s initial appraisal, including its size, condition and location.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>When refinancing your mortgage, your lender will likely have a professional appraise your home to determine its value. Appraisal results can impact your new loan, such as determining whether you need to pay for private mortgage insurance (PMI). Knowing what to expect from the appraisal can help you navigate the refinance process with more confidence.<\/p>\n<h2 id=\"what-is\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What is a refinance appraisal?\" data-outcome=\"\">What is a refinance appraisal?<\/h2>\n<p>A refinance appraisal is often part of the underwriting process when refinancing your current mortgage to a new one. As with the appraisal conducted when you first purchased the home, a refinance appraisal evaluates the property\u2019s condition and compares it to similar homes nearby in order to determine its value. The process may be more streamlined for a refi, especially if you\u2019re working with the same lender.<\/p>\n<h2 id=\"why-required\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Why do lenders require home appraisals for a refinance?\" data-outcome=\"\">Why do lenders require home appraisals for a refinance?<\/h2>\n<p>Lenders typically require a home appraisal before approving a mortgage refinance, because it helps them assess the home\u2019s value and condition to ensure the loan makes financial sense.<\/p>\n<p>An appraisal can serve several purposes:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Confirming the home\u2019s value:<\/strong> The appraisal assesses your home\u2019s current value, ensuring the lender isn\u2019t offering more than the property is worth, since the home serves as collateral if you default.<\/li>\n<li>\n<strong>Evaluating the property\u2019s condition:<\/strong> The appraisal also provides the lender with a snapshot of how well the home has been maintained and how it compares to similar properties in the area.<\/li>\n<li>\n<strong>Measuring your home equity:<\/strong> Your equity \u2014 the difference between the home\u2019s appraised value and your remaining loan balance \u2014 determines how much cash you may be able to take out with a cash-out refinance. It also determines whether or not you\u2019ll need to pay PMI.<\/li>\n<\/ul>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Lightbulb Icon<\/title>\n<path d=\"M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z\" class=\"icon-base\"\/><\/svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Bankrate\u2019s take:<br \/>\n        <\/strong><br \/>\n        Appraisals are crucial for lenders to protect their investment, but a refinance appraisal can work in the borrower\u2019s favor, too. For example, if you\u2019ve made any updates or improvements since you bought your home, it may have increased in value more than you realize. And if you\u2019re looking into a cash-out refinance, a higher appraised value could enable you to borrow a larger amount of money.\n    <\/p>\n<\/div>\n<h2 id=\"factors-considered\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What factors do refinance appraisers consider?\" data-outcome=\"\">What factors do refinance appraisers consider?<\/h2>\n<p>Several aspects of your home are analyzed to help the appraiser estimate its value in the current market, including:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Location: <\/strong>Appraisers consider your home\u2019s proximity to schools, parks, shopping and other amenities. They also evaluate recent sales of similar homes in your area.<\/li>\n<li>\n<strong>Size: <\/strong>They assess your home\u2019s square footage and lot size, as well as the number of bedrooms and bathrooms.<\/li>\n<li>\n<strong>Interior systems:<\/strong> Appraisers assess your plumbing, heating\/AC, electrical and other major home systems.<\/li>\n<li>\n<strong>Exterior:<\/strong> Garages, decks, porches, pools, landscaping and general curb appeal are also taken into account.<\/li>\n<li>\n<strong>Home improvements:<\/strong> Updates to key areas, such as the kitchen, bathrooms and roofing, may boost your home\u2019s value. If you\u2019re refinancing with the same lender or appraiser, they may give extra attention to changes or upgrades made since the original loan.<\/li>\n<\/ul>\n<h2 id=\"how-it-works\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How the appraisal process works\" data-outcome=\"\">How the appraisal process works<\/h2>\n<p>A refinance appraisal typically occurs early in the loan process. The timeline can vary by lender, but generally takes a few days to complete and follows these basic steps:<\/p>\n<ul class=\"wp-block-list\">\n<li>Once your refinance application is underway, the lender will order an appraisal from an independent, licensed professional to assess the current value of your home.<\/li>\n<li>The appraiser contacts you to schedule a time to visit the property in person. In most cases, you can be present for the visit.<\/li>\n<li>During their visit, the appraiser evaluates both the interior and exterior of the home. The physical inspection typically lasts anywhere from 20 minutes to a few hours, depending on the size and complexity of the property.<\/li>\n<li>The appraiser also reviews recent comparable sales in your area, referred to in real estate lingo as \u201ccomps.\u201d\u00a0<\/li>\n<li>Finally, the appraiser prepares a report estimating the market value of your home, which is sent to your lender.<\/li>\n<\/ul>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Lightbulb Icon<\/title>\n<path d=\"M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z\" class=\"icon-base\"\/><\/svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Bankrate\u2019s take:<br \/>\n        <\/strong><br \/>\n        During the pandemic housing boom, when rates were super-low, appraisals were a chokepoint for deals \u2014 there was more demand for appraisals than appraisers available to complete them. In a bit of good news for current refinance borrowers, the housing market has slowed enough that appraisals no longer hold up deals.\n    <\/p>\n<\/div>\n<h3>Refinance appraisal vs. purchase appraisal<\/h3>\n<p>Refinance and purchase appraisals follow a similar process, but they differ in a couple key respects:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Purchase appraisals<\/strong>: These rely on the home\u2019s agreed-upon sale price as a reference point. The appraiser uses that figure as a benchmark. The borrower is not present for these, since the home is not theirs yet.<\/li>\n<li>\n<strong>Refinance appraisals:<\/strong> These do not have a sale contract to guide the valuation. Instead, the appraiser bases the home\u2019s value entirely on factors such as comps, property condition and current market trends. The borrower can usually be present for refinance appraisals, which allows you to point out any upgrades or repairs that may help support a higher valuation.<\/li>\n<\/ul>\n<h2 id=\"what-it-means\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What your refinance appraisal means\" data-outcome=\"\">What your refinance appraisal means<\/h2>\n<p>The appraised value of your home helps determine your equity, loan terms and whether the refinance can move forward.<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>If the appraised value meets expectations:<\/strong> The appraisal confirms the property is sufficient collateral for the loan amount, and the loan can proceed without major changes.<\/li>\n<li>\n<strong>If the appraised value is higher than expected:<\/strong> A higher-than-expected appraisal can give you more flexibility in your refinance. You may qualify for a better interest rate based on your increased equity. If you were paying PMI and the appraisal pushes your equity past 20%, you may be able to eliminate that cost. A higher value may also let you borrow more through a cash-out refinance.<\/li>\n<li>\n<strong>If the appraised value is lower than expected:<\/strong> If the appraisal comes in low, the lender might reduce the loan amount, require PMI or even deny the refinance.<\/li>\n<\/ul>\n<h3 id=\"what-to-do\">What to do if your home appraisal is low<\/h3>\n<p>If you disagree with the appraised value and think it should be higher, you have a few options:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Review the report for errors:<\/strong> Comb through it carefully to ensure it accurately reflects the features and condition of your home.<\/li>\n<li>\n<strong>Submit a reconsideration of value:<\/strong> If you find inaccuracies or better comps, you can ask the lender to challenge the appraisal by submitting supporting evidence.<\/li>\n<li>\n<strong>Request a second appraisal:<\/strong> Some lenders will allow a second opinion (although the cost comes out of your pocket).<\/li>\n<li>\n<strong>Adjust your refinance strategy:<\/strong> If the low appraisal limits your options, you may need to adjust your loan amount or switch to a different loan type.<\/li>\n<li>\n<strong>Start over:<\/strong> If you\u2019re not satisfied with the results, you can always choose a different lender and start fresh, hoping for a more favorable outcome.<\/li>\n<\/ul>\n<h2 id=\"how-much\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How much does a refinance appraisal cost?\" data-outcome=\"\">How much does a refinance appraisal cost?<\/h2>\n<p>The cost of a refinance appraisal can vary based on the size, condition and location of your home, among other things. According to HomeAdvisor, a typical home appraisal costs between $314 and $424, with the average being $358.<\/p>\n<p>Appraisal fees are usually included in the closing costs a mortgage borrower pays, though they may be rolled into the loan instead in some cases.<\/p>\n<h2 id=\"faq\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"FAQs\" data-outcome=\"\">FAQs<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-do-i-always-need-an-appraisal-to-refinance', 'heading-do-i-always-need-an-appraisal-to-refinance']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-do-i-always-need-an-appraisal-to-refinance')\" :aria-controls=\"$id('panel-do-i-always-need-an-appraisal-to-refinance')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Do I always need an appraisal to refinance?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-do-i-always-need-an-appraisal-to-refinance')\" :aria-labelledby=\"$id('heading-do-i-always-need-an-appraisal-to-refinance')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Not all refinances require an appraisal \u2014 some government refinance options allow you to skip the appraisal entirely if you qualify. The decision, however, is entirely up to the lender. Bank of America, for example, requires a refinance appraisal \u201cto accurately assess the value of the property and the risk of the transaction,\u201d says Ann Thompson, a retired specialty lending executive for the bank.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-whats-the-difference-between-a-home-appraisal-and-a-home-inspection', 'heading-whats-the-difference-between-a-home-appraisal-and-a-home-inspection']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-whats-the-difference-between-a-home-appraisal-and-a-home-inspection')\" :aria-controls=\"$id('panel-whats-the-difference-between-a-home-appraisal-and-a-home-inspection')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What\u2019s the difference between a home appraisal and a home inspection?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-whats-the-difference-between-a-home-appraisal-and-a-home-inspection')\" :aria-labelledby=\"$id('heading-whats-the-difference-between-a-home-appraisal-and-a-home-inspection')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            The two are similar, but a home appraiser and a home inspector are looking at your home through different lenses. An appraisal estimates your home\u2019s current market value to determine loan eligibility. A home inspection, on the other hand, evaluates the property\u2019s physical condition to determine its safety and structural soundness.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-are-there-any-alternatives-to-an-in-person-appraisal', 'heading-are-there-any-alternatives-to-an-in-person-appraisal']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-are-there-any-alternatives-to-an-in-person-appraisal')\" :aria-controls=\"$id('panel-are-there-any-alternatives-to-an-in-person-appraisal')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Are there any alternatives to an in-person appraisal?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-are-there-any-alternatives-to-an-in-person-appraisal')\" :aria-labelledby=\"$id('heading-are-there-any-alternatives-to-an-in-person-appraisal')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>Yes \u2014 in some cases, a traditional in-person appraisal may not be required for a refinance. Certain loan programs and borrower qualifications allow for other alternatives. Options may include:<\/p>\n<ul>\n<li aria-level=\"1\">\n<b>Desktop appraisal:<\/b> This type of appraisal is completed remotely using public records, MLS data, tax assessments and other digital property details.<\/li>\n<li aria-level=\"1\">\n<b>Hybrid appraisal:<\/b> A representative collects data and photos onsite, while a licensed appraiser reviews the information and completes the valuation from a separate location.<\/li>\n<li aria-level=\"1\">\n<b>Drive-by appraisal:<\/b> Also known as an exterior-only appraisal, this involves the appraiser evaluating the property from the outside without entering the home. It\u2019s sometimes used for FHA or VA refinances and became more common during the COVID-19 pandemic.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"vf15I1Zueh\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 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1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded 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0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/mortgages\/mortgage-refinance-appraisal\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Refinancing your current mortgage typically requires a new appraisal of the home. The refinance appraisal helps the bank determine the home\u2019s current value, so they can define the parameters of the loan they\u2019re willing to extend. Appraisers will consider most of the same criteria they did in your home\u2019s initial appraisal, including its<\/p>\n","protected":false},"author":1,"featured_media":23108,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23107","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Refinance Appraisal: How It Works and What To Expect | InfinPros<\/title>\n<meta name=\"description\" content=\"Key takeaways Refinancing your current mortgage typically requires a new appraisal of the home. 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