{"id":213139,"date":"2025-05-01T05:59:34","date_gmt":"2025-05-01T05:59:34","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/how-does-appraised-value-affect-mortgage\/"},"modified":"2025-05-01T05:59:34","modified_gmt":"2025-05-01T05:59:34","slug":"how-does-appraised-value-affect-mortgage","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/how-does-appraised-value-affect-mortgage\/","title":{"rendered":"How does appraised value affect mortgage?"},"content":{"rendered":"<p>When you purchase a home with the help of a mortgage loan, the appraised value of the property plays a crucial role in the process. Understanding how the appraised value affects your mortgage can help you make informed decisions and plan your finances better. So, let&#8217;s dive into the details and shed some light on this important factor.<\/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-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/how-does-appraised-value-affect-mortgage\/#What_is_an_appraised_value\" title=\"What is an appraised value?\">What is an appraised value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/how-does-appraised-value-affect-mortgage\/#How_does_the_appraised_value_affect_mortgage\" title=\"How does the appraised value affect mortgage?\">How does the appraised value affect mortgage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/how-does-appraised-value-affect-mortgage\/#Related_FAQs\" title=\"Related FAQs:\">Related FAQs:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/how-does-appraised-value-affect-mortgage\/#1_Can_I_contest_the_appraised_value\" title=\"1. Can I contest the appraised value?\">1. Can I contest the appraised value?<\/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-does-appraised-value-affect-mortgage\/#2_What_happens_if_the_appraised_value_is_lower_than_the_purchase_price\" title=\"2. What happens if the appraised value is lower than the purchase price?\">2. What happens if the appraised value is lower than the purchase price?<\/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-does-appraised-value-affect-mortgage\/#3_Can_I_order_my_own_appraisal\" title=\"3. Can I order my own appraisal?\">3. Can I order my own 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-does-appraised-value-affect-mortgage\/#4_How_often_does_the_appraised_value_change\" title=\"4. How often does the appraised value change?\">4. How often does the appraised value change?<\/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-does-appraised-value-affect-mortgage\/#5_Is_the_appraised_value_the_same_as_the_market_value\" title=\"5. Is the appraised value the same as the market value?\">5. Is the appraised value the same as the market value?<\/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-does-appraised-value-affect-mortgage\/#6_Can_I_use_the_appraised_value_for_tax_purposes\" title=\"6. Can I use the appraised value for tax purposes?\">6. Can I use the appraised value for tax purposes?<\/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-does-appraised-value-affect-mortgage\/#7_Does_a_higher_appraised_value_always_mean_a_better_deal\" title=\"7. Does a higher appraised value always mean a better deal?\">7. Does a higher appraised value always mean a better deal?<\/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-does-appraised-value-affect-mortgage\/#8_Can_I_appeal_the_appraised_value_for_property_tax_purposes\" title=\"8. Can I appeal the appraised value for property tax purposes?\">8. Can I appeal the appraised value for property tax purposes?<\/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-does-appraised-value-affect-mortgage\/#9_Can_I_request_a_copy_of_the_appraisal_report\" title=\"9. Can I request a copy of the appraisal report?\">9. Can I request a copy of the appraisal report?<\/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-does-appraised-value-affect-mortgage\/#10_How_long_is_an_appraisal_valid\" title=\"10. How long is an appraisal valid?\">10. How long is an appraisal valid?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/how-does-appraised-value-affect-mortgage\/#11_Can_I_get_a_new_appraisal_if_I_think_my_propertys_value_has_increased\" title=\"11. Can I get a new appraisal if I think my property&#8217;s value has increased?\">11. Can I get a new appraisal if I think my property&#8217;s value has increased?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/namso-gen.co\/blog\/how-does-appraised-value-affect-mortgage\/#12_Does_the_appraised_value_include_personal_property\" title=\"12. Does the appraised value include personal property?\">12. Does the appraised value include personal property?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_an_appraised_value\"><\/span>What is an appraised value?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The appraised value of a property is an expert&#8217;s assessment of its fair market value based on various factors such as location, condition, size, and comparable sales in the area. It serves as an unbiased estimation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_does_the_appraised_value_affect_mortgage\"><\/span>How does the appraised value affect mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>**The appraised value affects your mortgage in several ways:**<\/p>\n<p>1. **Loan-to-Value Ratio (LTV):** The lender uses the appraised value to determine the maximum loan amount they are willing to offer. Higher appraised values usually result in lower LTV ratios.<\/p>\n<p>2. **Down Payment Requirement:** Lenders typically require borrowers to make a down payment. The percentage is based on the appraised value; the higher the appraised value, the lower the down payment required.<\/p>\n<p>3. **Private Mortgage Insurance (PMI):** If your down payment is less than 20% of the appraised value, lenders often require PMI. Higher appraised values may help you avoid PMI altogether or remove it sooner.<\/p>\n<p>4. **Interest Rate:** A higher appraised value can positively impact the interest rate you receive. Lenders consider lower loan-to-value ratios associated with higher appraised values as less risky and may offer lower interest rates.<\/p>\n<p>5. **Refinancing Opportunities:** Appraised values can affect your options for refinancing your mortgage. If the appraised value has increased since you purchased the property, you may have more favorable terms available.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Related_FAQs\"><\/span>Related FAQs:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Can_I_contest_the_appraised_value\"><\/span>1. Can I contest the appraised value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you have the right to contest the appraised value if you believe it does not accurately represent the fair market value of the property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_happens_if_the_appraised_value_is_lower_than_the_purchase_price\"><\/span>2. What happens if the appraised value is lower than the purchase price?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the appraised value is lower than the purchase price, you may need to bridge the gap by paying the difference out of pocket or renegotiating with the seller.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Can_I_order_my_own_appraisal\"><\/span>3. Can I order my own appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn some cases, you may be able to order your own appraisal, especially if you want a second opinion or believe the lender&#8217;s appraisal is inaccurate.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_often_does_the_appraised_value_change\"><\/span>4. How often does the appraised value change?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe appraised value can change over time due to market fluctuations, renovations, or changes in the neighborhood. However, it is typically not re-evaluated unless you are refinancing or selling the property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Is_the_appraised_value_the_same_as_the_market_value\"><\/span>5. Is the appraised value the same as the market value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile the appraised value is an expert&#8217;s estimate of the market value, it is not always the same. Market value represents the price a buyer is willing to pay, whereas the appraised value is a professional&#8217;s opinion.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_I_use_the_appraised_value_for_tax_purposes\"><\/span>6. Can I use the appraised value for tax purposes?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe appraised value can help you estimate the property&#8217;s worth for tax purposes, but it may not be the exact value accepted by tax authorities.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Does_a_higher_appraised_value_always_mean_a_better_deal\"><\/span>7. Does a higher appraised value always mean a better deal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA higher appraised value does not guarantee a better deal. Other factors, such as location, condition, and market demand, also influence the overall value of a property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_appeal_the_appraised_value_for_property_tax_purposes\"><\/span>8. Can I appeal the appraised value for property tax purposes?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, if you believe the appraised value for property tax purposes is incorrect, you generally have the right to appeal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_request_a_copy_of_the_appraisal_report\"><\/span>9. Can I request a copy of the appraisal report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAs a borrower, you have the right to request a copy of the appraisal report from your lender.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_How_long_is_an_appraisal_valid\"><\/span>10. How long is an appraisal valid?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAn appraisal is typically valid for a specific period, usually around 120 days. After that, lenders may require a fresh appraisal to ensure the property&#8217;s value hasn&#8217;t significantly changed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_get_a_new_appraisal_if_I_think_my_propertys_value_has_increased\"><\/span>11. Can I get a new appraisal if I think my property&#8217;s value has increased?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, if you believe your property&#8217;s value has increased, you can get a new appraisal to assess its current market value. This is often done when refinancing to take advantage of favorable terms.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Does_the_appraised_value_include_personal_property\"><\/span>12. Does the appraised value include personal property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe appraised value generally includes only the value of the real property (land and structures) and does not consider personal property such as furniture, appliances, or decorations.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you purchase a home with the help of a mortgage loan, the appraised value of the property plays a crucial role in the process. Understanding how the appraised value affects your mortgage can help you make informed decisions and plan your finances better. So, let&#8217;s dive into the details and shed some light on &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"How does appraised value affect mortgage?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/how-does-appraised-value-affect-mortgage\/#more-213139\">Read more<span class=\"screen-reader-text\">How does appraised value affect mortgage?<\/span><\/a><\/p>\n","protected":false},"author":54,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-213139","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 does appraised value affect mortgage?<\/title>\n<meta name=\"description\" content=\"When you purchase a home with the help of a mortgage loan, the appraised value of the property plays a crucial role in the process. 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