Short answer
When appraisal waivers are available, and how to qualify for one.
Both Fannie Mae and Freddie Mac offer appraisal waivers on eligible loans — usually low-to-moderate LTV rate-and-term refinances on primary homes.
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.
Frequently asked questions
Apply Now
Start your application
Quick, secure, mobile-friendly.
Ask Cesar AI
Get instant answers
24/7 mortgage AI assistant.
Calculator
Run the numbers
Payment, affordability & refi tools.
Consultation
Book a meeting
Talk to a licensed advisor.
Contact
Reach the NexGen Capital team
We'll respond within one business day.
Related mortgage option
Ready to apply this to a real loan? Review how Refinancing work in Florida, or estimate your monthly payment before you talk to an advisor.
Sources
Program rules change and individual lender overlays apply. Verify specifics with the agency or with a licensed NexGen Capital advisor before relying on them.
Reviewed by NexGen Capital Corp
Written and reviewed by the licensed mortgage team at NexGen Capital Corp, a Florida mortgage brokerage (NMLS #1766649). Verify our license on NMLS Consumer Access.
Last reviewed: 2026
This article is educational and is not a commitment to lend or an offer of credit. Speak with a licensed NexGen advisor about your own situation.