{"id":205025,"date":"2025-02-01T00:15:03","date_gmt":"2025-02-01T00:15:03","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/"},"modified":"2025-02-01T00:15:03","modified_gmt":"2025-02-01T00:15:03","slug":"can-a-bank-waive-an-appraisal","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/","title":{"rendered":"Can a bank waive an appraisal?"},"content":{"rendered":"<p>When it comes to getting a mortgage, one of the steps involved is an appraisal of the property. However, there are instances where a bank may choose to waive the appraisal requirement. This decision ultimately lies with the lender, and there are certain criteria that need to be met in order for this to happen.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#Related_FAQs\" title=\"Related FAQs:\">Related FAQs:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#1_Why_would_a_bank_choose_to_waive_an_appraisal\" title=\"1. Why would a bank choose to waive an appraisal?\">1. Why would a bank choose to waive an appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#2_What_are_the_benefits_of_waiving_an_appraisal_for_the_borrower\" title=\"2. What are the benefits of waiving an appraisal for the borrower?\">2. What are the benefits of waiving an appraisal for the borrower?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#3_Is_it_common_for_banks_to_waive_appraisals\" title=\"3. Is it common for banks to waive appraisals?\">3. Is it common for banks to waive appraisals?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#4_Can_a_borrower_request_that_the_bank_waive_the_appraisal\" title=\"4. Can a borrower request that the bank waive the appraisal?\">4. Can a borrower request that the bank waive the appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#5_What_factors_do_banks_consider_when_deciding_whether_to_waive_an_appraisal\" title=\"5. What factors do banks consider when deciding whether to waive an appraisal?\">5. What factors do banks consider when deciding whether to waive an appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#6_Are_there_any_risks_associated_with_waiving_an_appraisal\" title=\"6. Are there any risks associated with waiving an appraisal?\">6. Are there any risks associated with waiving an appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#7_Can_a_bank_waive_an_appraisal_for_all_types_of_loans\" title=\"7. Can a bank waive an appraisal for all types of loans?\">7. Can a bank waive an appraisal for all types of loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#8_How_does_waiving_an_appraisal_affect_the_closing_process\" title=\"8. How does waiving an appraisal affect the closing process?\">8. How does waiving an appraisal affect the closing process?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#9_Can_a_borrower_still_choose_to_get_an_appraisal_even_if_the_bank_waives_it\" title=\"9. Can a borrower still choose to get an appraisal even if the bank waives it?\">9. Can a borrower still choose to get an appraisal even if the bank waives it?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#10_Can_a_bank_change_their_mind_and_require_an_appraisal_after_initially_waiving_it\" title=\"10. Can a bank change their mind and require an appraisal after initially waiving it?\">10. Can a bank change their mind and require an appraisal after initially waiving it?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#11_How_can_a_borrower_determine_if_their_bank_is_willing_to_waive_an_appraisal\" title=\"11. How can a borrower determine if their bank is willing to waive an appraisal?\">11. How can a borrower determine if their bank is willing to waive an appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#12_Is_there_a_difference_between_waiving_an_appraisal_and_having_an_appraisal_contingency\" title=\"12. Is there a difference between waiving an appraisal and having an appraisal contingency?\">12. Is there a difference between waiving an appraisal and having an appraisal contingency?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Related_FAQs\"><\/span>Related FAQs:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Why_would_a_bank_choose_to_waive_an_appraisal\"><\/span>1. Why would a bank choose to waive an appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>A bank may waive an appraisal if the loan-to-value ratio is low enough, the property is in a low-risk area, and the borrower has a strong credit history.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_are_the_benefits_of_waiving_an_appraisal_for_the_borrower\"><\/span>2. What are the benefits of waiving an appraisal for the borrower?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>Waiving an appraisal can save the borrower time and money, as they do not have to wait for the appraisal to be completed or pay for the appraisal fee.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Is_it_common_for_banks_to_waive_appraisals\"><\/span>3. Is it common for banks to waive appraisals?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>Waiving an appraisal is not very common, as lenders typically want to ensure that the property is worth the amount being borrowed. However, it can happen in certain circumstances.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_a_borrower_request_that_the_bank_waive_the_appraisal\"><\/span>4. Can a borrower request that the bank waive the appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>Borrowers can request that the bank waive the appraisal, but ultimately the decision lies with the lender.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_factors_do_banks_consider_when_deciding_whether_to_waive_an_appraisal\"><\/span>5. What factors do banks consider when deciding whether to waive an appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>Banks consider factors such as the loan-to-value ratio, the property location, the borrower&#8217;s credit history, and the type of loan being taken out.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Are_there_any_risks_associated_with_waiving_an_appraisal\"><\/span>6. Are there any risks associated with waiving an appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>The main risk with waiving an appraisal is that the property may not be worth the amount being borrowed, which could lead to issues down the line if the borrower defaults on the loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_a_bank_waive_an_appraisal_for_all_types_of_loans\"><\/span>7. Can a bank waive an appraisal for all types of loans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>Not all types of loans are eligible for appraisal waivers. Generally, only certain types of loans with specific criteria may qualify for a waiver.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_does_waiving_an_appraisal_affect_the_closing_process\"><\/span>8. How does waiving an appraisal affect the closing process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>Waiving an appraisal can expedite the closing process, as it removes the need to wait for the appraisal report to be completed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_a_borrower_still_choose_to_get_an_appraisal_even_if_the_bank_waives_it\"><\/span>9. Can a borrower still choose to get an appraisal even if the bank waives it?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>Yes, a borrower can still choose to get an appraisal even if the bank waives it. However, the borrower would be responsible for covering the cost of the appraisal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_a_bank_change_their_mind_and_require_an_appraisal_after_initially_waiving_it\"><\/span>10. Can a bank change their mind and require an appraisal after initially waiving it?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>In some cases, a bank may change their mind and decide to require an appraisal if they feel it is necessary to assess the property&#8217;s value more accurately.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_How_can_a_borrower_determine_if_their_bank_is_willing_to_waive_an_appraisal\"><\/span>11. How can a borrower determine if their bank is willing to waive an appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>Borrowers should discuss the possibility of waiving an appraisal with their lender during the mortgage application process. The lender will assess the borrower&#8217;s situation and determine if a waiver is possible.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Is_there_a_difference_between_waiving_an_appraisal_and_having_an_appraisal_contingency\"><\/span>12. Is there a difference between waiving an appraisal and having an appraisal contingency?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>Waiving an appraisal means that the appraisal requirement is completely removed, while having an appraisal contingency means that the sale is contingent upon the property appraising for a certain amount.<\/p>\n<p>Overall, while banks have the ability to waive appraisals in certain circumstances, it is not a common practice. Borrowers should be prepared to go through the appraisal process unless their lender determines that a waiver is appropriate based on specific criteria.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to getting a mortgage, one of the steps involved is an appraisal of the property. However, there are instances where a bank may choose to waive the appraisal requirement. This decision ultimately lies with the lender, and there are certain criteria that need to be met in order for this to happen. &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Can a bank waive an appraisal?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/can-a-bank-waive-an-appraisal\/#more-205025\">Read more<span class=\"screen-reader-text\">Can a bank waive an appraisal?<\/span><\/a><\/p>\n","protected":false},"author":52,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-205025","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can a bank waive an appraisal?<\/title>\n<meta name=\"description\" content=\"When it comes to getting a mortgage, one of the steps involved is an appraisal of the property. 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