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Melony Ritter wrote:

I have a Pre-approved VA loan. Why must I pay an appraisal fee?

As of May 2009 rules have changed regarding appraisals.  Now most banks must use a lottery system for appraisals to keep the playing field even.  The appraisal must be paid for up front to assure the appraiser is going to get paid regardless of whether the transaction is finalized.  It is a precautionary measure that allows the appraiser to be paid by the buyer, that way the bank is not stuck with appraisals that were never paid for because a transaction fell through....NC Realtor
July 06 2009