Appraisal waivers exist
Both Fannie Mae and Freddie Mac offer appraisal waivers on eligible loans — usually low-to-moderate LTV rate-and-term refinances on primary homes.
Government streamlines
FHA Streamline and VA IRRRL programs often skip full appraisals when refinancing an existing FHA or VA loan.
Key takeaways
- Waivers save time and cost when available.
- Streamlines are common on FHA and VA refis.
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