Lender Appraisal vs Private Appraisal
Who orders the appraisal, who can rely on it, and why the intended use matters before you spend money.
The Intended Use Controls the Assignment
A lender appraisal and a private appraisal may both estimate market value, but they are not automatically interchangeable. The intended use, intended user, ordering process, report type, and reliance language matter.
This page supports the order page and services page without competing against them. It helps users choose the correct path before submitting a request.
Key Differences
Lender appraisal
Usually ordered by the lender or AMC for a loan decision. The borrower typically cannot choose the appraiser directly.
Private appraisal
Often ordered directly for estate, divorce, PMI removal, pre-listing, cash purchase, tax, or planning needs.
Reliance
The report identifies intended users. A report prepared for one use may not be appropriate for another use.
Scope
The appraiser needs to know the assignment purpose up front so the report is built correctly.
When to Ask Before Ordering
If your appraisal is for FHA, VA, a conventional loan, HELOC, or refinance, ask the lender how the appraisal must be ordered. If the assignment is private, explain the intended use in the order form and Caleb can help confirm the scope before work begins.
Related pages: FHA-related appraisal support, VA-related appraisal support, PMI removal appraisals, and estate appraisals.
Quick Questions
Can I use a private appraisal for my lender?
Not always. Many lenders require the appraisal to be ordered through their own process or AMC.
Can I order a private appraisal for divorce or estate work?
Usually yes. Private assignments can often be ordered directly when the intended use and intended users are clear.
Why does intended use matter?
The intended use determines the scope, reporting requirements, and who can rely on the appraisal.
Need local appraisal guidance?
Order online, call, or text Caleb Hollis Appraisals Inc. at 904-510-3398.