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As in insider, here's my opinion on the appraisals - there is a common misconception they often inflated them. However, keep in mind that their job is to determine "market value" - basically, the price that someone would buy it for. Remember when houses were increasing hundreds of percent a year? It wasn't because appraisers were typing in some artificial number on an arbitrary report that noone ever sees, it's because consumers were actually paying those prices, causing the true market value to be increased exponentially....
Just food for thought.
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