It seems that you are asking is there is a difference between an appraisal for you are buying a home and when you may be re-financing a house, or just trying to get a value on it. There should not be a difference between the two in theory. However in reality an appraiser usually knows what a home is under contract for. That tells the appraiser that a Buyer is willing to pay that much for the house and gives the appraiser a sense of the market value. When there is not a contract in place, an appraiser tends to be more conservative. Therefore, it would not surprise me to a re-finance appraisal come in at a lower value than a purchase appraisal.
I hope this is what you were asking, but if not please let me know.... more
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