{"id":108179,"date":"2025-12-08T15:22:43","date_gmt":"2025-12-08T23:22:43","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=108179"},"modified":"2025-12-08T15:22:44","modified_gmt":"2025-12-08T23:22:44","slug":"what-is-an-appraisal-waiver","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/what-is-an-appraisal-waiver\/","title":{"rendered":"What Is an Appraisal Waiver? How Skipping the Appraisal Can Save Risk, Time, and Money"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">When you buy or refinance a home, your <a href=\"https:\/\/www.rocketmortgage.com\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\">lender<\/a> usually orders a full appraisal to verify the property is worth at least the loan amount. During a <a href=\"https:\/\/www.redfin.com\/blog\/home-appraisal\/\" data-wpel-link=\"exclude\">home appraisal<\/a>, a licensed third-party visits a property, looks at comparable sales (or \u201ccomps\u201d), and produces a detailed report about the home and its current value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An <em>appraisal waiver<\/em> is when the lender decides no in-person appraisal is required because automated tools already provide enough data to support the loan amount. These decisions come from <a href=\"https:\/\/www.redfin.com\/blog\/automated-valuation-model\/\" data-wpel-link=\"exclude\">automated underwriting systems<\/a> that analyze past appraisals, public records, and local sales data.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you\u2019re buying a <a href=\"https:\/\/www.redfin.com\/city\/14240\/AZ\/Phoenix\" data-wpel-link=\"exclude\">home in Phoenix, AZ<\/a> or a condo in <a href=\"https:\/\/www.redfin.com\/city\/30749\/NY\/New-York\" data-wpel-link=\"exclude\">New York City<\/a>, we\u2019ll break down how appraisal waivers work, who qualifies, why lenders use them, and when you might want to say yes\u2014or no\u2014to one.<\/p>\n\n\n\n<p class=\"has-ast-global-color-4-background-color has-background wp-block-paragraph\"><strong>In this article:<\/strong><br \/><a href=\"#h-how-appraisal-waivers-work\">How appraisal waivers work<br \/><\/a><a href=\"#h-who-qualifies-for-an-appraisal-waiver\">Who qualifies for an appraisal waiver<br \/><\/a><a href=\"#h-why-lenders-waive-appraisals\">Why lenders waive appraisals<br \/><\/a><a href=\"#h-benefits-of-using-an-appraisal-waiver\">Benefits of using an appraisal waiver<br \/><\/a><a href=\"#h-risks-and-limitations-of-using-an-appraisal-waiver\">Risks and limitations<br \/><\/a><a href=\"#h-appraisal-waiver-vs-appraisal-contingency\">Appraisal waiver vs. appraisal contingency <br \/><\/a><a href=\"#h-how-to-get-an-appraisal-waiver\">How to get an appraisal waiver<br \/><\/a><a href=\"#h-bottom-line\">Bottom line<br \/><\/a><a href=\"#h-faqs-appraisal-waivers\">FAQs<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-appraisal-waivers-work\"><strong>How appraisal waivers work<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">These days, lenders rely heavily on automated underwriting systems (AUS) to help evaluate risk. When a lender submits your loan application, the AUS reviews:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An abundant national database of prior appraisals.<\/li>\n\n\n\n<li>Public tax records.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.redfin.com\/blog\/what-is-mls\/\" data-wpel-link=\"exclude\">MLS<\/a> sales data.<\/li>\n\n\n\n<li>Property characteristics (bed\/bath count, square footage, year built, etc.).<\/li>\n\n\n\n<li>Borrower and loan-level risk factors.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If the system has enough reliable information about the property and the overall risk is low, it could return a result that prompts the lender to waive the full appraisal process.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-automated-underwriting-systems-estimate-your-value\">1. Automated underwriting systems estimate your value<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">These automated systems estimate value by analyzing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.redfin.com\/blog\/how-to-find-real-estate-comps-in-my-area\/\" data-wpel-link=\"exclude\">Comparable recent sales<\/a>.<\/li>\n\n\n\n<li>Past valuations that are stored in appraisal databases.<\/li>\n\n\n\n<li>Local price trends.<\/li>\n\n\n\n<li>Public and third-party property data.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If the purchase price (or stated value for a <a href=\"https:\/\/www.redfin.com\/blog\/when-to-refinance-mortgage\/\" data-wpel-link=\"exclude\">refinance<\/a>) aligns with the expected range and returns a positive value and risk profile, an appraisal waiver might be granted.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-sometimes-a-property-data-collector-still-visits\">2. Sometimes a property data collector still visits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some waiver types still require a property data collection, which is basically a walkthrough where a third-party expert gathers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Interior and exterior photos.<\/li>\n\n\n\n<li>Measurements and floor plans.<\/li>\n\n\n\n<li>Basic condition and property characteristics.<br \/><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is not a full appraisal and usually doesn\u2019t cost the buyer anything, since there is no appraiser making a judgment of value. Instead, the data is used to supplement the automated system so a traditional appraisal can be skipped.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-how-an-appraisal-waiver-replaces-a-traditional-appraisal\">3. How an appraisal waiver replaces a traditional appraisal<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you accept an appraisal waiver:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No in-person appraisal report is ordered.<\/li>\n\n\n\n<li>The lender relies on automated valuation data for the collateral decision.<\/li>\n\n\n\n<li>You avoid potential scheduling delays and <a href=\"https:\/\/www.redfin.com\/blog\/home-appraisal-cost\/\" data-wpel-link=\"exclude\">appraisal fees<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Essentially, when you\u2019re offered an appraisal waiver the system is confident enough in the value without needing a human to go out to the property to verify, as long as all other risk factors check out.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-qualifies-for-an-appraisal-waiver\"><strong>Who qualifies for an appraisal waiver<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can\u2019t ask to apply for an appraisal waiver. The automated underwriting system decides if you qualify based on your full loan file and the property data.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Usually, appraisal waivers are determined by:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-loan-type-and-property-characteristics\">1. Loan type and property characteristics<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Waivers are most common for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Standard single-family homes or condos.<\/li>\n\n\n\n<li>Primary residences and second homes (investment properties less often).<\/li>\n\n\n\n<li>Properties in areas with a large amount of recent sales data.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Unique, rural, or highly customized homes are less likely to receive waiver eligibility because the models have fewer reliable comparable data points.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-loan-to-value-ltv-ratio\">2. Loan-to-value (LTV) ratio<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Waivers are more common when the loan is perceived as lower risk, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lower LTVs (larger down payments or plenty of equity on a refinance).<\/li>\n\n\n\n<li>No cash-out or limited <a href=\"https:\/\/www.redfin.com\/blog\/what-is-a-cash-out-refinance\/\" data-wpel-link=\"exclude\">cash-out refinances<\/a>.<\/li>\n\n\n\n<li>Small or more moderate loan sizes compared to local norms.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The more equity or down payment involved, the more comfortable the lender typically is waiving the appraisal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-borrower-profile-and-payment-history\">3. Borrower profile and payment history<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">While the property drives the waiver decision, lenders also look at:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit score and overall credit profile.<\/li>\n\n\n\n<li>Manageable <a href=\"https:\/\/www.redfin.com\/guides\/buy\/calculate-debt-to-income-ratio\" data-wpel-link=\"exclude\">debt-to-income ratio<\/a> (DTI).<\/li>\n\n\n\n<li>Income.<\/li>\n\n\n\n<li>For refinances, a strong mortgage payment history.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-market-data-availability\">4. Market data availability<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Automated systems need enough data and sales activity to be confident in a value estimate. Appraisal waivers are more likely to be offered when:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There are plenty of recent comparable sales.<\/li>\n\n\n\n<li>The property (or homes in the neighborhood) has a recent appraisal on file in the investor\u2019s database.<\/li>\n\n\n\n<li>The home is in a data-rich area, like a subdivision or condo community, that brings clear and predictable pricing trends.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If there isn\u2019t enough data, you can be extremely well-qualified as a borrower and still need to go through the traditional appraisal process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-lenders-waive-appraisals\"><strong>Why lenders waive appraisals<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">From a lender and investor perspective, appraisal waivers are about efficiency and risk management, not just convenience.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-reliable-existing-data\">1. Reliable existing data<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders waive appraisals when automated models show the value is supported by recent sales and records. A new appraisal likely wouldn\u2019t add much new information, and the property falls within an acceptable level of risk according to their data.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-faster-smoother-closings\">2. Faster, smoother closings<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Skipping the appraisal might remove days or even weeks from the <a href=\"https:\/\/www.redfin.com\/blog\/steps-to-closing-on-a-house\/\" data-wpel-link=\"exclude\">closing timeline<\/a>, reducing the risk of scheduling delays, derailing closing, or last minute loan changes and negotiations if the <a href=\"https:\/\/www.redfin.com\/blog\/appraisal-came-in-low\/\" data-wpel-link=\"exclude\">appraisal comes back low<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-lower-costs\">3. Lower costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Borrowers save the usual appraisal fee, and lenders reduce extra administrative tasks tied to ordering, reviewing, and validating full appraisal reports.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-using-an-appraisal-waiver\"><strong>Benefits of using an appraisal waiver<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If your lender offers an appraisal waiver, these are the main upsides to consider before accepting the offer:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-lower-closing-costs\">1. Lower closing costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You save the cost of the appraisal, which can fall between $400\u2013$900+ depending on the area and season.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-faster-processing\">2. Faster processing<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No back-and-forth with appraisers can significantly shorten the closing timeline.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-protection-from-appraisal-gap-issues\">3. Protection from appraisal-gap issues<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If no appraisal is ordered, it can make your offer more competitive because there\u2019s no risk of:<br \/><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A low appraisal value that triggers negotiations.<\/li>\n\n\n\n<li>Bringing additional cash to closing.<\/li>\n\n\n\n<li>A deal falling apart because of value disputes.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-risks-and-limitations-of-using-an-appraisal-waiver\"><strong>Risks and limitations of using an appraisal waiver<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Appraisal waivers have trade-offs. Before you accept one, it\u2019s worth understanding what could be at stake:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-the-automated-valuation-may-misread-the-market\">1. The automated valuation may misread the market<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Automated models are powerful but not perfect. They can miss:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Unique features (like views, upgrades, layout) that add real value.<\/li>\n\n\n\n<li>Location or property drawbacks (busy road, weird floor plan) that might reduce value.<\/li>\n\n\n\n<li>Very recent price shifts in fast-moving local markets.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-property-condition-isn-t-fully-evaluated-nbsp\">2. Property condition isn\u2019t fully evaluated&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Waivers and property data collections are intended to support the <a href=\"https:\/\/www.redfin.com\/what-is-my-home-worth\" data-wpel-link=\"exclude\">value of the home<\/a>, not replace a <a href=\"https:\/\/www.redfin.com\/blog\/home-inspection\/\" data-wpel-link=\"exclude\">home inspection<\/a>. Even if a property data collector visits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They aren\u2019t acting as a home inspector.<\/li>\n\n\n\n<li>They don\u2019t provide a report on structural, mechanical, or safety issues.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you rely just on the appraisal for the home\u2019s value and skip a buyer\u2019s home inspection, you could miss expensive problems with the roof, foundation, electrical, or other parts of the home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-future-resale-or-refinance-challenges\">3. Future resale or refinance challenges<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your lender\u2019s automated valuation is on the high side and you accept it:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You might start out with less real equity than you think.<\/li>\n\n\n\n<li>A future buyer\u2019s lender may require a full appraisal that comes in lower (market risks).<\/li>\n\n\n\n<li>A future refinance could be limited if an appraisal values the home below your current loan balance.<\/li>\n\n\n\n<li>If a waiver is offered during a future refinance, it could miss upgrades and improvements that would contribute to increased equity.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-appraisal-waiver-vs-appraisal-contingency\"><strong>Appraisal waiver vs. appraisal contingency<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One thing that\u2019s important to know is that a lender appraisal waiver and purchase contract appraisal contingency are not the same thing. When a lender waives the appraisal, it is different from the buyer <a href=\"https:\/\/www.redfin.com\/blog\/waiving-appraisal-contingency\/\" data-wpel-link=\"exclude\">waiving the appraisal contingency<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-lender-appraisal-waiver\">Lender appraisal waiver<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Decides whether an appraisal is required for the loan.<\/li>\n\n\n\n<li>Based on the lender\u2019s risk tolerance, available data, and investor guidelines.<\/li>\n\n\n\n<li>Has nothing to do with buyer contract protections.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-appraisal-contingency\">Appraisal contingency<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is a clause in a buyer\u2019s purchase contract.<\/li>\n\n\n\n<li>Gives buyers the right to renegotiate or walk away if an appraisal comes in low.<\/li>\n\n\n\n<li>Protects you, the buyer.<br \/><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Note: <\/strong>You can have a lender appraisal waiver and still keep an appraisal contingency for protection; <strong>or<\/strong> waive the appraisal contingency to make your offer more competitive.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-get-an-appraisal-waiver\"><strong>How to get an appraisal waiver<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-1-apply-with-a-lender\">Step 1: Apply with a lender<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Provide income documentation, property details, and authorization so the lender can run your loan through its automated underwriting system.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-2-ask-if-an-appraisal-waiver-was-offered\">Step 2: Ask if an appraisal waiver was offered<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If the AUS findings allow for an appraisal waiver, your loan officer will see the result immediately and let you know if there are any conditions attached, such as property data collection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-3-review-the-pros-and-cons-with-your-lender-and-agent\">Step 3: Review the pros and cons with your lender and agent<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Before you accept an appraisal waiver, go over your comfort level with the price and condition of the home, your long term plans, market competition, available down payment, and any appraisal contingencies with your <a href=\"https:\/\/www.redfin.com\/real-estate-agents\" data-wpel-link=\"exclude\">real estate agent<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-4-accept-or-decline-the-waiver\">Step 4: Accept or decline the waiver<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Accepting<\/strong> means the lender proceeds without a traditional appraisal and you can offer up to the approved amount.<\/li>\n\n\n\n<li><strong>Declining<\/strong> means the lender orders a full in-person appraisal and the calculated value must meet or exceed the loan amount.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\"><strong>Bottom line<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders might offer an appraisal waiver when their data shows the home is likely worth more than the purchase price. In that case, there\u2019s very little risk for the lender, so an in-person appraisal isn\u2019t required to confirm the home\u2019s value. Ultimately, appraisals are used to protect the lender and the loan amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In a competitive market where buyers <a href=\"https:\/\/www.redfin.com\/blog\/how-much-to-offer-on-a-house\/\" data-wpel-link=\"exclude\">offer above asking price<\/a>, an appraisal waiver offer can actually protect buyers from a low appraisal that could require extra cash at closing to cover the gap. But if you might walk away or renegotiate if the value comes in low, talk with your real estate agent about getting a traditional appraisal instead.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-appraisal-waivers\"><strong>FAQs: Appraisal waivers<\/strong><\/h2>\n\n\n\n<p class=\"has-ast-global-color-4-background-color has-background wp-block-paragraph\"><strong>How risky is waiving an appraisal?<\/strong><br \/>Waiving an appraisal is usually low-risk when the lender\u2019s data shows the home is clearly worth what you\u2019re paying (or more). The biggest risk is that you might overpay without realizing it, because you\u2019re skipping the chance for an in-person appraisal to verify the value. You also won\u2019t catch issues that might show up during an appraisal\u2014but regardless, buyers should rely on the home inspection, not the appraisal, to understand the full condition of the home. If you\u2019re confident in your purchase, the price, and your inspection, the risk is much smaller.<\/p>\n\n\n\n<p class=\"has-ast-global-color-4-background-color has-background wp-block-paragraph\"><strong>Who qualifies for an appraisal waiver?<\/strong><br \/>Appraisal waivers are more likely to be offered to borrowers and properties that appear low-risk to the lender. If there are a large number of comparable sales, the loan has a lower LTV, and the buyer\u2019s credit and finances are solid, the chances of qualifying for an appraisal waiver are higher.<\/p>\n\n\n\n<p class=\"has-ast-global-color-4-background-color has-background wp-block-paragraph\"><strong>What is the 3-day appraisal waiver rule?<\/strong><br \/>Federal disclosures require a lender to give you a copy of your appraisal <em>at least<\/em> 3 days before closing. If you don\u2019t want to use an available appraisal waiver and opt for a full appraisal anyway, the lender needs time to get that report to you before the final documents are signed. If you accept an appraisal waiver, you\u2019re telling the lender it\u2019s alright to proceed without the in-person appraisal, so the 3-day waiting period doesn\u2019t apply.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What does it mean when your lender offers an appraisal waiver? Skipping the appraisal can save time and money and even reduce some risk, but there\u2019s more you should know before saying \u201cyes.\u201d <\/p>\n","protected":false},"author":824,"featured_media":108180,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34276],"tags":[34618,34529,34629],"coauthors":[36450],"class_list":["post-108179","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","tag-buying-definition","tag-buying-faq","tag-first-time-homebuyer"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Risky Is Waiving an Appraisal? | Redfin<\/title>\n<meta name=\"description\" content=\"What does it mean when your lender offers an appraisal waiver? 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