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Recently I wanted to refinance my two loans together, by zillow's appraisal I have more than enough to refinance, however I was working with a lender who had his appraiser run comparables in my area and the assessed value was much less, so much that I was unable to refinance.
This is typical in depreciating markets. Apparisals usually are more accurate as they take into effecti listings and pending, and have no-site inspectionf of both the Subject property and comparables. But 'running comparables' is still NOT an apprasial, they need to come out and to the inspection of your home and type up the formal appraisal fo come up with a value. .Also from MY experience, Zillow OVER VALUES home values if anything, at least in my area (Southern California) which has plenty of data.... maybe on purpose to deflect criticisim (?!?!) or not anticipating further market losses.....
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