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to wave or not to wave that is the question its matt here and in todays video i want to share with you a little bit about the appraisal waiver i want to talk about what that is and when you might want to use it but before we jump right in i want to first talk a little bit about what is an appraisal an appraisal is a third-party opinion of value your lender is going to hire an appraiser to go out to the property theyre going to go to the property theyre going to take measurements get a sense of the condition and then come back to the office and compare it to other recent sales they can go back six months to look at those past sales and thats important because in a fast-moving market prices are going up quickly and whats selling today may be selling for more than homes six months ago so why is the appraisal matter though well first the lender is using that to determine how much money theyre going to loan you most peoples loan program is based on a loan to value ratio so if you ha