Mortgage Basics

Appraisals

Valued quickly, completed thoroughly, respected always — the MLM way.

At Mountain Lifestyles Mortgage, we also offer appraisal waivers, known as Property Inspection Waivers (PIW), when approved by Fannie Mae or Freddie Mac for agency loans, also known as conventional loans. These waivers are typically based on borrower characteristics and are more common in less rural areas where home values are more recognizable and stable. In addition, IRRRL loans, which are a type of VA loan, do not require an appraisal.

We believe in treating appraisers with respect. Our third-party Appraisal Management Company (AMC) passes virtually the entire appraisal fee directly to the appraiser, unlike many AMCs that withhold several hundred dollars for company overhead. This approach attracts the highest caliber appraisers who value fair compensation. Our AMC also pays appraisers immediately upon completion, rather than once a month, which further strengthens these professional relationships.

Because of this partnership, we consistently receive high-quality appraisals from the best appraisers in our region, completed within 8 calendar days when given access to the home you are purchasing or refinancing in a timely manner. This means you can feel confident that your home is valued quickly, accurately, and with care.

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