{"id":206266,"date":"2023-10-07T22:05:11","date_gmt":"2023-10-07T22:05:11","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/how-long-is-appraisal-good-for-refinance\/"},"modified":"2023-10-07T22:05:11","modified_gmt":"2023-10-07T22:05:11","slug":"how-long-is-appraisal-good-for-refinance","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/how-long-is-appraisal-good-for-refinance\/","title":{"rendered":"How long is appraisal good for refinance?"},"content":{"rendered":"<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-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/how-long-is-appraisal-good-for-refinance\/#How_long_is_appraisal_good_for_refinance\" title=\"How long is appraisal good for refinance?\">How long is appraisal good for refinance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/how-long-is-appraisal-good-for-refinance\/#1_Can_I_use_an_old_appraisal_for_a_refinance\" title=\"1. Can I use an old appraisal for a refinance?\">1. Can I use an old appraisal for a refinance?<\/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\/how-long-is-appraisal-good-for-refinance\/#2_Does_the_type_of_loan_affect_how_long_an_appraisal_is_good_for_refinance\" title=\"2. Does the type of loan affect how long an appraisal is good for refinance?\">2. Does the type of loan affect how long an appraisal is good for refinance?<\/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\/how-long-is-appraisal-good-for-refinance\/#3_Can_I_get_a_copy_of_the_appraisal_for_my_records\" title=\"3. Can I get a copy of the appraisal for my records?\">3. Can I get a copy of the appraisal for my records?<\/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\/how-long-is-appraisal-good-for-refinance\/#4_Will_the_lender_use_the_same_appraiser_for_the_refinance_appraisal\" title=\"4. Will the lender use the same appraiser for the refinance appraisal?\">4. Will the lender use the same appraiser for the refinance 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\/how-long-is-appraisal-good-for-refinance\/#5_What_happens_if_the_value_of_the_property_has_decreased_since_the_original_appraisal\" title=\"5. What happens if the value of the property has decreased since the original appraisal?\">5. What happens if the value of the property has decreased since the original 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\/how-long-is-appraisal-good-for-refinance\/#6_Do_I_have_to_pay_for_a_new_appraisal_for_a_refinance\" title=\"6. Do I have to pay for a new appraisal for a refinance?\">6. Do I have to pay for a new appraisal for a refinance?<\/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\/how-long-is-appraisal-good-for-refinance\/#7_Can_I_challenge_the_results_of_the_new_appraisal_for_a_refinance\" title=\"7. Can I challenge the results of the new appraisal for a refinance?\">7. Can I challenge the results of the new appraisal for a refinance?<\/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\/how-long-is-appraisal-good-for-refinance\/#8_What_if_the_appraisal_comes_in_lower_than_expected_for_the_refinance\" title=\"8. What if the appraisal comes in lower than expected for the refinance?\">8. What if the appraisal comes in lower than expected for the refinance?<\/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\/how-long-is-appraisal-good-for-refinance\/#9_Can_I_request_a_rush_appraisal_for_a_refinance\" title=\"9. Can I request a rush appraisal for a refinance?\">9. Can I request a rush appraisal for a refinance?<\/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\/how-long-is-appraisal-good-for-refinance\/#10_Will_the_appraiser_need_access_to_the_interior_of_the_property_for_a_refinance\" title=\"10. Will the appraiser need access to the interior of the property for a refinance?\">10. Will the appraiser need access to the interior of the property for a refinance?<\/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\/how-long-is-appraisal-good-for-refinance\/#11_How_long_does_it_take_to_get_the_results_of_the_new_appraisal_for_a_refinance\" title=\"11. How long does it take to get the results of the new appraisal for a refinance?\">11. How long does it take to get the results of the new appraisal for a refinance?<\/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\/how-long-is-appraisal-good-for-refinance\/#12_Can_I_use_a_recent_appraisal_from_when_I_purchased_the_property_for_a_refinance\" title=\"12. Can I use a recent appraisal from when I purchased the property for a refinance?\">12. Can I use a recent appraisal from when I purchased the property for a refinance?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_long_is_appraisal_good_for_refinance\"><\/span>How long is appraisal good for refinance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When you are looking to refinance your home, an appraisal is typically good for up to 120 days. This means that the appraisal report is valid for four months from the date it was conducted. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Can_I_use_an_old_appraisal_for_a_refinance\"><\/span>1. Can I use an old appraisal for a refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, you cannot use an old appraisal for a refinance. Lenders require a current appraisal to assess the value of the property accurately.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Does_the_type_of_loan_affect_how_long_an_appraisal_is_good_for_refinance\"><\/span>2. Does the type of loan affect how long an appraisal is good for refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the type of loan can affect how long an appraisal is good for refinance. For example, FHA loans may require a new appraisal if the original appraisal is more than 120 days old.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Can_I_get_a_copy_of_the_appraisal_for_my_records\"><\/span>3. Can I get a copy of the appraisal for my records?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you have the right to request a copy of the appraisal for your records. Make sure to keep a copy for your own records.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Will_the_lender_use_the_same_appraiser_for_the_refinance_appraisal\"><\/span>4. Will the lender use the same appraiser for the refinance appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIt is possible that the lender may use the same appraiser for the refinance appraisal, but it is not guaranteed. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_happens_if_the_value_of_the_property_has_decreased_since_the_original_appraisal\"><\/span>5. What happens if the value of the property has decreased since the original appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the value of the property has decreased since the original appraisal, it could affect your ability to refinance or the terms of the refinance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Do_I_have_to_pay_for_a_new_appraisal_for_a_refinance\"><\/span>6. Do I have to pay for a new appraisal for a refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you will typically have to pay for a new appraisal for a refinance. The cost of the appraisal is usually included in the closing costs of the refinance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_challenge_the_results_of_the_new_appraisal_for_a_refinance\"><\/span>7. Can I challenge the results of the new appraisal for a refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you have the right to challenge the results of the new appraisal for a refinance if you believe there are errors or discrepancies in the report.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_What_if_the_appraisal_comes_in_lower_than_expected_for_the_refinance\"><\/span>8. What if the appraisal comes in lower than expected for the refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the appraisal comes in lower than expected for the refinance, you may need to make up the difference in the form of a larger down payment or negotiate with the lender.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_request_a_rush_appraisal_for_a_refinance\"><\/span>9. Can I request a rush appraisal for a refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can request a rush appraisal for a refinance, but it may come with an additional fee. Be sure to discuss this option with your lender.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Will_the_appraiser_need_access_to_the_interior_of_the_property_for_a_refinance\"><\/span>10. Will the appraiser need access to the interior of the property for a refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn most cases, the appraiser will need access to the interior of the property for a refinance appraisal to accurately assess its condition and value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_How_long_does_it_take_to_get_the_results_of_the_new_appraisal_for_a_refinance\"><\/span>11. How long does it take to get the results of the new appraisal for a refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe timeline for receiving the results of the new appraisal for a refinance can vary, but it is typically within a few weeks of the appraisal being conducted.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_use_a_recent_appraisal_from_when_I_purchased_the_property_for_a_refinance\"><\/span>12. Can I use a recent appraisal from when I purchased the property for a refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, you cannot use a recent appraisal from when you purchased the property for a refinance. Lenders require a current appraisal to ensure the property&#8217;s current market value.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How long is appraisal good for refinance? When you are looking to refinance your home, an appraisal is typically good for up to 120 days. This means that the appraisal report is valid for four months from the date it was conducted. 1. Can I use an old appraisal for a refinance? No, you cannot &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"How long is appraisal good for refinance?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/how-long-is-appraisal-good-for-refinance\/#more-206266\">Read more<span class=\"screen-reader-text\">How long is appraisal good for refinance?<\/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-206266","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>How long is appraisal good for refinance?<\/title>\n<meta name=\"description\" content=\"How long is appraisal good for refinance? 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When you are looking to refinance your home, an appraisal is typically good for up to 120 days. 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Readers are strongly advised to exercise caution, verify information independently, and rely on their own judgment when considering the information provided. 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