Homeowner Resources
When Should a Homeowner Get an Independent Appraisal?
You don't need a lender transaction to justify ordering your own appraisal — here are the situations where it makes real sense.
Most homeowners only think about appraisals in the context of buying or refinancing. But an independent appraisal is a tool you can use anytime you need a supportable, unbiased opinion of value — not just when a lender requires one.
Common Situations Worth Considering
Buying or Selling Privately
A private sale between parties who aren't using a lender still benefits from a neutral, independent opinion of value.
Estate, Divorce, or Legal Matters
Settlements and proceedings often call for an independent valuation that doesn't come from either party's agent.
A Property Tax Assessment Feels Too High
A supportable, independent opinion of value is core evidence in a Georgia property tax appeal.
Removing PMI or Reconsidering a Lender Value
A current, independent appraisal can support a PMI removal request or a reconsideration of value.
Peace of Mind Before a Major Decision
Some homeowners simply want a professional, unbiased number before refinancing, gifting, or restructuring ownership.
A Practical Example
A homeowner considering a Georgia property tax appeal doesn't need a lender's permission or a pending sale to order an appraisal — a current, independent opinion of value is exactly the kind of supportable evidence a Board of Equalization looks for.
What This Does Not Mean
It doesn't mean any appraisal you order will automatically satisfy a lender's requirements later — those follow separate appraiser-independence rules. And it doesn't mean you need a "reason" beyond wanting clarity; a supportable opinion of value is useful on its own terms.
Frequently Asked Questions
Provided for general educational purposes. Last reviewed: August 2026.