Lender / Purchase Appraisals
When you're buying or refinancing a home, your lender requires an independent, certified appraisal before they'll approve the loan. KB Appraisal completes lender-ordered appraisals for purchase and refinance transactions following Fannie Mae and Freddie Mac guidelines — accurate, well-documented reports that give underwriters everything they need to move forward.
What is a lender appraisal?
A lender appraisal is a certified appraisal ordered through your lender or their approved Appraisal Management Company (AMC) for a mortgage transaction. It includes a full sales comparison approach, neighborhood analysis, site description, and improvements analysis. The report establishes the market value of the property, which your lender uses to determine how much they're willing to lend.
Can I order a lender appraisal myself?
No — and this is important to understand. Federal regulations require that lender appraisals be ordered through an independent AMC or directly by the lender, not by the buyer, seller, or real estate agent. This rule exists to protect the integrity of the appraisal process and prevent any party with a financial interest in the transaction from influencing the value. Your lender will order the appraisal on your behalf and select the appraiser through their approved panel.
If you want an independent value estimate before starting the loan process, a pre-listing or homeowner appraisal can give you a useful baseline — but it cannot be used to satisfy your lender's appraisal requirement.
Who it's for
Lender appraisals are used by mortgage lenders, AMCs, and buyers and sellers in financed transactions. KB Appraisal is accepted through Appraisal Firewall, SharperLending, Reggora, and direct lender orders.
UAD 3.6 Ready
KB Appraisal is fully prepared for the UAD 3.6 reporting standard — the new Fannie Mae and Freddie Mac appraisal format rolling out across the industry. You won't need to find a new appraiser when the switch happens. We're already prepared.
What to expect
Katie will complete a full interior inspection of the property and deliver a certified appraisal report within 5 to 7 business days of inspection. Reports are thorough, well-supported, and built to move through underwriting without delays.
Why KB Appraisal
Katie has been completing lender appraisals across Wake, Johnston, Durham, Franklin, and portions of Granville and Chatham Counties since 2020. She knows these markets, knows what underwriters need, and delivers reports that hold up.
Ready to get started? If you're a lender or AMC, contact us directly to get KB Appraisal added to your approved panel.