Congratulations, you found the home of your dreams and the seller has signed the purchase agreement and the two of you have negotiated all of the terms. If you're a first time homebuyer you may think you can coast to closing and not have to worry about a thing, but you will soon realize your lender steps in and orders the home appraisal. A home appraisal? You instantly question what a home appraisal is, who conducts it, what they will be looking for, why it needs to be done and...
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