Christian Sulikowski

Christian Sulikowski

Hardcore sushi maven. Devoted internet guru. Unapologetic coffee enthusiast. Wannabe zombie nerd. Sushi trailblazer. Tv buff.

110 Total Posts
How Quality Roofing Services In Monett, MO Can Boost Your Home Appraisal: Key Upgrades That Add Value

How Quality Roofing Services In Monett, MO Can Boost Your Home Appraisal: Key Upgrades That Add Value

Investing in quality roofing services in Monett, MO, is one of the smartest ways to enhance your home's overall value and ...

Is home appraisal free?

Is home appraisal free?

But if you're just looking for an informed quote, you can get a free home appraisal through online tools or an...

Why Do You Need A Self-Storage Facility When Preparing For A Home Appraisal In Collingdale, Pennsylvania?

Why Do You Need A Self-Storage Facility When Preparing For A Home Appraisal In Collingdale, Pennsylvania?

Preparing for a home appraisal can be a crucial step in ensuring you receive the best possible value for your property....

Northern VA Real Estate: Enhance Your Home's Appraisal With Quality Asphalt Shingle Repair

Northern VA Real Estate: Enhance Your Home's Appraisal With Quality Asphalt Shingle Repair

Enhancing your home's appraisal value in Northern VA can be a strategic move for homeowners looking to maximize their...

How Water Quality Affects Your Home Appraisal Value In NYC

How Water Quality Affects Your Home Appraisal Value In NYC

Water quality is a critical factor that can have a significant impact on the appraisal value of your home. In a city as...

What decreases home appraisal?

What decreases home appraisal?

A home appraisal is a critical step in any real estate transaction, providing an unbiased estimate of a property's market ...

Curb Appeal Counts: Why Tree Maintenance Matters For Damascus, OR Home Appraisals

Curb Appeal Counts: Why Tree Maintenance Matters For Damascus, OR Home Appraisals

When preparing to sell your home in Damascus, OR, most homeowners focus on fresh paint, minor repairs, or interior...

From Roof Repairs To Replacements: Roofing Services That Support Higher Appraisals In St. Leonard, MD

From Roof Repairs To Replacements: Roofing Services That Support Higher Appraisals In St. Leonard, MD

When it comes to maximizing your home’s value in St. Leonard, MD, the condition of your roof plays a major...

Benefits of Renting a Commercial Space during Home Appraisal in Austin, TX

Benefits of Renting a Commercial Space during Home Appraisal in Austin, TX

It is always a good idea to have a professional appraiser come in and do a home appraisal when you are thinking about...

Does an appraiser know the offer price?

Does an appraiser know the offer price?

When buying or selling a home, one of the most critical steps in the transaction is the appraisal, which determines the...

How does a lender appraise a home?

How does a lender appraise a home?

When you apply for a mortgage, the lender’s primary concern is ensuring that the property is worth the amount you’re...

Why RTA Kitchen Cabinets Are Preferred When Updating Kitchen Cabinets During A Home Appraisal

Why RTA Kitchen Cabinets Are Preferred When Updating Kitchen Cabinets During A Home Appraisal

When you’re getting your home appraised, one of the most important things to keep in mind is that your kitchen cabinets ...

Are home appraisals higher right now?

Are home appraisals higher right now?

All of this means that property values are rising dramatically and homes are being valued more now. However, geographic...

Improving Your Log Home’s Appraisal With The Right Media Blasting In Milton, PA

Improving Your Log Home’s Appraisal With The Right Media Blasting In Milton, PA

Unlock the full potential of your log home in Milton, PA, with the transformative power of media blasting. This...

Importance Of Roof Repair Before A Home Appraisal In Virginia Beach, VA

Importance Of Roof Repair Before A Home Appraisal In Virginia Beach, VA

Ensuring that your home is in top condition before a home appraisal is crucial, especially in Virginia Beach, VA. The...

How A Professional Home Appraisal Can Attract A Company That Buys Houses In Marina Del Rey, California

How A Professional Home Appraisal Can Attract A Company That Buys Houses In Marina Del Rey, California

In the competitive real estate landscape of Los Angeles, California, securing a professional home appraisal can be a...

Chill Out And Cash In: Why Fixing Your AC Will Pay Off In Your Las Vegas Home Appraisal

Chill Out And Cash In: Why Fixing Your AC Will Pay Off In Your Las Vegas Home Appraisal

When it comes to home appraisals in Las Vegas, every upgrade counts—but few improvements offer as much value as a...

The Role Of Home Cleaners In Preparing For A Successful Appraisal In Austin

The Role Of Home Cleaners In Preparing For A Successful Appraisal In Austin

As a homeowner in Austin, you know how important it is to maintain a clean and tidy home. Not only does it make for a...

How The Cost Of Water Heater Replacement Impacts Seattle Home Appraisals

How The Cost Of Water Heater Replacement Impacts Seattle Home Appraisals

The water heater replacement cost in Seattle plays a pivotal role in influencing home appraisals, particularly as buyers...

Quick Solutions To Sell Your North Las Vegas House For Cash Without A Home Appraisal

Quick Solutions To Sell Your North Las Vegas House For Cash Without A Home Appraisal

North Las Vegas offers homeowners seeking a quick cash sale the perfect opportunity to skip traditional real estate...

Top Reasons To Invest In Professional Roofing Services Before A Home Appraisal In Monroe, CT

Top Reasons To Invest In Professional Roofing Services Before A Home Appraisal In Monroe, CT

Preparing for a home appraisal can feel like a high-stakes moment, especially if you're hoping to sell your home or...

How To Get The Most Out Of Your Home Appraisal In Birmingham

How To Get The Most Out Of Your Home Appraisal In Birmingham

Home appraisals are an important part of the home buying process. By getting a home appraisal, you can get an accurate...

Roof Repair In Melbourne: The Key To A Better Home Appraisal

Roof Repair In Melbourne: The Key To A Better Home Appraisal

A well-maintained roof is more than just a shield against Melbourne’s unpredictable weather—it’s a powerful factor...

Top Reasons To Book A House Cleaning Service In Mississauga Before A Home Appraisal

Top Reasons To Book A House Cleaning Service In Mississauga Before A Home Appraisal

When preparing for a home appraisal in Mississauga, a spotless living space can make a major difference. Appraisers...

How to Prepare Your Las Vegas House for Appraisal

How to Prepare Your Las Vegas House for Appraisal

We all know that the appraisal is a necessary part of any home sale or purchase. Whether you're getting ready to put your ...

Why home appraisal is important?

Why home appraisal is important?

Understanding the significance of a home appraisal is pivotal when navigating the real estate landscape. An appraisal...

Turning Trouble Into Treasure: Selling Your Poor-Condition Home In Little Rock Without An Appraisal

Turning Trouble Into Treasure: Selling Your Poor-Condition Home In Little Rock Without An Appraisal

Selling a home in poor condition can seem like an overwhelming task, but it's possible to turn a challenging situation...

Get Your Home Appraised With Conveyancing Solicitors In Sydney

Get Your Home Appraised With Conveyancing Solicitors In Sydney

If you're selling your home, you'll want to get it appraised by a professional. This will give you an idea of what the...

Selling Fast In Houston: How Cash Buyers Simplify The Process Without Home Appraisals

Selling Fast In Houston: How Cash Buyers Simplify The Process Without Home Appraisals

Selling a house quickly in Houston can be a challenging task, but cash buyers offer a streamlined solution that...

Unlocking Value: How Home Appraisal Impacts New Houses For Sale In North Port

Unlocking Value: How Home Appraisal Impacts New Houses For Sale In North Port

In North Port's competitive real estate landscape, home appraisals serve as a pivotal factor in determining the market...

Roofing Upgrades That Pay Off During A Home Appraisal In Mobile

Roofing Upgrades That Pay Off During A Home Appraisal In Mobile

When preparing to sell your home, one of the most crucial steps is the home appraisal. The outcome of this process...

CIPP Pipe Lining Upgrades That Can Positively Influence Your Home Appraisal In Vancouver

CIPP Pipe Lining Upgrades That Can Positively Influence Your Home Appraisal In Vancouver

Breakthrough upgrades like CIPP pipe lining aren’t just about fixing pipes. They can actually help boost your home’s...

Which home value site is most accurate?

Which home value site is most accurate?

In an age where nearly every homeowner and prospective buyer begins their real estate journey online, the question of...

Appraisal-Free Advantage: Selling Your Home To A Cash Buyer In Decatur, AL

Appraisal-Free Advantage: Selling Your Home To A Cash Buyer In Decatur, AL

In Decatur, AL's dynamic real estate scene, homeowners are consistently on the lookout for innovative and efficient...

Why Installing An Irrigation System In Greater Orlando Is A Smart Investment For Higher Appraisals

Why Installing An Irrigation System In Greater Orlando Is A Smart Investment For Higher Appraisals

Installing an irrigation system in Greater Orlando is more than just a convenience—it’s a strategic investment that...

What to fix before home appraisal?

What to fix before home appraisal?

Clean up the landscape, clear debris in your garden, trim hedges and clean gutters to make your home more attractive....

Piping Up: How Plumbing Services Enhance Home Appraisal Values In Reading, MA

Piping Up: How Plumbing Services Enhance Home Appraisal Values In Reading, MA

Piping Up: How Plumbing Services Enhance Home Appraisal Values In Reading, MAEvery homeowner dreams of increasing their...

Healthy Trees, Higher Value: The Role Of Tree Pruning Services In Kalamazoo Home Appraisals

Healthy Trees, Higher Value: The Role Of Tree Pruning Services In Kalamazoo Home Appraisals

When it comes to preparing your home for sale or appraisal, many homeowners in Kalamazoo, MI, focus on interior upgrades, ...

Home Appraisal Insights: Why Cartersville Residents Should Consider Townhomes For Their Next Move

Home Appraisal Insights: Why Cartersville Residents Should Consider Townhomes For Their Next Move

As the Cartersville housing market evolves, residents may find that townhomes present a compelling option for their next...

Preparing For A Home Appraisal: The Role Of Professional Cleaning Services In Charleston

Preparing For A Home Appraisal: The Role Of Professional Cleaning Services In Charleston

When it comes to selling a home, one of the most crucial steps in the process is the home appraisal. This assessment can...

Understanding Home Appraisals: Why Mold Removal In South Salt Lake Matters

Understanding Home Appraisals: Why Mold Removal In South Salt Lake Matters

When it comes to buying or selling a home, understanding the intricacies of the appraisal process is crucial. Home...

6 Strategies For Increasing Maryland Home Appraisal Value

6 Strategies For Increasing Maryland Home Appraisal Value

It can be tough to know where to start when you want to increase the value of your home. But don't worry, we're here to...

Save Electricity: Take Advantage Of Automated Electric Saver Device Before A Home Appraisal

Save Electricity: Take Advantage Of Automated Electric Saver Device Before A Home Appraisal

Preparing your home for a home appraisal can be an intimidating task, but it does not have to be. One way to ensure that...

The Advantages Of Selling A Home To Cash Buyers In Miami Without Home Appraisal

The Advantages Of Selling A Home To Cash Buyers In Miami Without Home Appraisal

In the dynamic real estate market of Miami, selling a home can often be a time-consuming and complex process....

The Role Of An HVAC Service Provider In Preparing Your HVAC System For A Home Appraisal In West Jordan

The Role Of An HVAC Service Provider In Preparing Your HVAC System For A Home Appraisal In West Jordan

When preparing your home for an appraisal in West Jordan, the condition of your HVAC system plays a significant role in...

Enhance Home Value with Expert Lawn Care in Damascus

Enhance Home Value with Expert Lawn Care in Damascus

Enhancing Your Home's Appraisal with Expert Lawn Care in DamascusFor homeowners in Damascus, maintaining a well-kept...

Boosting Your Home's Appraisal With Professional Water Damage Cleanup In Hollywood, FL

Boosting Your Home's Appraisal With Professional Water Damage Cleanup In Hollywood, FL

Ensuring your home is free from water damage is not just about immediate repairs; it's about safeguarding your property's ...

Where to get home appraisal?

Where to get home appraisal?

A home appraisal is a key step in many real estate transactions, providing an impartial estimate of a property’s market ...

Significance Of A Home Appraisal And The Assistance Of A Mortgage Advisor In Belfast Mortgage Approval

Significance Of A Home Appraisal And The Assistance Of A Mortgage Advisor In Belfast Mortgage Approval

Buying a home is one of the biggest financial decisions you’ll ever make, and it can be an intimidating process. One of ...

What does an appraiser look at in your house?

What does an appraiser look at in your house?

An appraiser conducts a comprehensive evaluation of a property to determine its market value. They look at various...

Asbestos Testing Prior To Home Appraisal In Charleston, SC: How A Skilled Home Inspector Can Assist?

Asbestos Testing Prior To Home Appraisal In Charleston, SC: How A Skilled Home Inspector Can Assist?

Asbestos is a potentially dangerous material that can be found in many older homes, and testing for it should be done...

Home Appraisal 101: Understanding The Role Of A Mortgage Broker In Belfast

Home Appraisal 101: Understanding The Role Of A Mortgage Broker In Belfast

If you're a prospective homebuyer or seller in this vibrant city, understanding the appraisal process and the...

Why Retractable Screens Can Boost Your Home Appraisal In Winter Park

Why Retractable Screens Can Boost Your Home Appraisal In Winter Park

The integration of retractable screens into residential properties in Winter Park presents a unique opportunity to...

Are home appraisals accurate?

Are home appraisals accurate?

Home appraisals are a crucial component of real estate transactions, serving as an objective evaluation of a property’s ...

The Renter's Solution: How Luxury Apartments For Rent Provide Premium Living Without The Risk Of A Bad Home Appraisal In Gainesville

The Renter's Solution: How Luxury Apartments For Rent Provide Premium Living Without The Risk Of A Bad Home Appraisal In Gainesville

The journey toward homeownership in Gainesville, GA, is frequently characterized by the significant financial hurdle and...

The Impact Of Commercial Sprinkler System Installation On Omaha Home Value

The Impact Of Commercial Sprinkler System Installation On Omaha Home Value

The installation of a commercial sprinkler system can impact the value of a home in Omaha. A recent study by the National ...

How Does AC Installation Service Affect Home Appraisal In Haughton?

How Does AC Installation Service Affect Home Appraisal In Haughton?

It's no secret that AC installation services can positively impact home appraisal values. However, you may not know how...

Do appraisers look at cleanliness?

Do appraisers look at cleanliness?

When conducting property appraisals, appraisers primarily focus on assessing the value of the property based on various...

The Importance Of Home Appraisal: How Clean Rugs Can Boost Your Property Value In Eugene

The Importance Of Home Appraisal: How Clean Rugs Can Boost Your Property Value In Eugene

When it comes to boosting your property value, many homeowners focus on major renovations or landscaping projects....

Selling For Cash In Anaheim, CA: The Best Way To Avoid A Home Appraisal

Selling For Cash In Anaheim, CA: The Best Way To Avoid A Home Appraisal

Selling a home in Anaheim, CA, can often be a complex and time-consuming process, especially when it comes to dealing...

Boosting Property Value In Damascus: How Tree Pruning Can Influence Your Home Appraisal

Boosting Property Value In Damascus: How Tree Pruning Can Influence Your Home Appraisal

When it comes to increasing the value of your home in Damascus, Oregon, many homeowners tend to focus on interior...

Do appraisers actually go to the house?

Do appraisers actually go to the house?

Yes, appraisers do actually go to the house as part of the property valuation process. Their physical visit is a crucial...

From Repairs To Replacements: Roofing Moves That Boost Appraisal In Front Royal

From Repairs To Replacements: Roofing Moves That Boost Appraisal In Front Royal

When it comes to increasing your home’s value in Front Royal, few upgrades make a stronger impression than strategic...

How Proper Insulation Installation Can Boost Your Home's Appraisal Value In Minneapolis, MN?

How Proper Insulation Installation Can Boost Your Home's Appraisal Value In Minneapolis, MN?

Proper insulation installation is an often overlooked factor that can significantly impact your home's appraisal value in ...

Heat And Air Companies In Fairhope: A Key Factor In Home Appraisal Value

Heat And Air Companies In Fairhope: A Key Factor In Home Appraisal Value

When it comes to assessing the value of your home, many factors come into play. From the neighborhood's desirability to...

From Dust To Dollars: How Expert Residential Housekeeping In Winter Garden Impacts Home Appraisal Value

From Dust To Dollars: How Expert Residential Housekeeping In Winter Garden Impacts Home Appraisal Value

When it comes to selling or refinancing a home, most homeowners think of renovations, landscaping, or staging. But...

Why Real Estate Agents In Hervey Bay Make Home Appraisals Easier For Sellers

Why Real Estate Agents In Hervey Bay Make Home Appraisals Easier For Sellers

Selling a home is one of the biggest financial decisions most people will ever make, and in Hervey Bay, the process often ...

Who pays for home appraisal and inspection?

Who pays for home appraisal and inspection?

Usually, the landlord pays for both the appraisal and the inspection. While it may be more expensive, it is recommended...

The Critical Importance Of Cockroach Pest Control Service For Home Appraisal In Las Vegas

The Critical Importance Of Cockroach Pest Control Service For Home Appraisal In Las Vegas

When it comes to selling or buying a home in Las Vegas, the condition of the property plays a crucial role in determining ...

The Benefits Of Partnering With A Real Estate Agent For Home Appraisal And Home Listings In Greenwood, SC

The Benefits Of Partnering With A Real Estate Agent For Home Appraisal And Home Listings In Greenwood, SC

In the competitive real estate market of Greenwood, SC, finding the perfect buyer or seller for your home can be a...

The Hidden Value: How Concrete Foundation Repair In Plano Can Boost Your Home Appraisal

The Hidden Value: How Concrete Foundation Repair In Plano Can Boost Your Home Appraisal

If you are a homeowner in Plano, Texas, looking to increase the value of your property, consider investing in concrete...

The Effects Of A New Roof On Your Home's Appraisal Value In Columbia, MD

The Effects Of A New Roof On Your Home's Appraisal Value In Columbia, MD

When it comes time to have your home in Columbia, MD appraised for sale, or for refinancing, one of the things that can...

What are appraisers responsible for?

What are appraisers responsible for?

An appraiser's job is to determine the current value of a property for the prospective buyer. An appraiser is not a home...

Lead Safe Painting In Farmington: A Smart Investment For A Higher Home Appraisal

Lead Safe Painting In Farmington: A Smart Investment For A Higher Home Appraisal

When it comes to increasing the value of your home, ensuring it is safe and well-maintained is key. In Farmington,...

Pest Control In Mount Pleasant: A Smart Step Toward A Better Home Appraisal

Pest Control In Mount Pleasant: A Smart Step Toward A Better Home Appraisal

When preparing your home in Mount Pleasant for an appraisal, it's easy to focus on obvious upgrades like fresh paint or...

Maximizing Your Home's Appraisal Value With Glass Shower Repair In Northern VA

Maximizing Your Home's Appraisal Value With Glass Shower Repair In Northern VA

When considering the factors that contribute to your home's appraisal value, the condition and aesthetics of your...

Chicago's Changing Seasons: Why Gutter And Leaf Guards Are Essential For Home Appraisals

Chicago's Changing Seasons: Why Gutter And Leaf Guards Are Essential For Home Appraisals

In the dynamic climate of Chicago, the significance of gutter and leaf guards in maintaining property value cannot be...

Why Standard Cleaning Is Essential Before Your Home Appraisal

Why Standard Cleaning Is Essential Before Your Home Appraisal

Standard cleaning plays a critical role in the home appraisal process. An organized and tidy environment can...

Transform Your Outdoor Space: How Landscaping Services In Pembroke Pines Can Help Increase Your Home Appraisal Value

Transform Your Outdoor Space: How Landscaping Services In Pembroke Pines Can Help Increase Your Home Appraisal Value

Landscaping plays a vital role in enhancing the overall appeal and value of a home. When it comes to increasing the...

How Professional Landscaping Design Companies In Portland Prepare You For A Higher Home Appraisal

How Professional Landscaping Design Companies In Portland Prepare You For A Higher Home Appraisal

They say first impressions last, and the same goes for your home’s value during a home appraisal. Professional...

How Deck Installation In Vancouver, Washington Can Boost Your Home Appraisal

How Deck Installation In Vancouver, Washington Can Boost Your Home Appraisal

Adding a deck to your property is more than just a lifestyle upgrade—it can also be a smart investment that boosts your ...

Can home appraisals vary?

Can home appraisals vary?

The cost of an appraisal will vary depending on the type of appraisal, the location of the home, and the type of...

Why Hiring Experienced Pool Contractors In Pleasanton, CA, Matters For Home Appraisal?

Why Hiring Experienced Pool Contractors In Pleasanton, CA, Matters For Home Appraisal?

When it comes to increasing your home’s market value, few features make as lasting an impression as a well-designed...

How Interior House Painting In Clearwater Can Boost Your Home’s Appraisal Value

How Interior House Painting In Clearwater Can Boost Your Home’s Appraisal Value

A fresh coat of interior paint can do far more than just refresh your living space—it can significantly increase your...

From Pest Problem To Property Perfection: The Impact Of Ant Exterminators On Home Appraisal In Calgary

From Pest Problem To Property Perfection: The Impact Of Ant Exterminators On Home Appraisal In Calgary

Ant infestations can be a common problem in homes, especially in Calgary where the warm weather can attract these pesky...

Preparing For A Home Appraisal In Seattle: The Benefits Of Professional Deep Clean Services

Preparing For A Home Appraisal In Seattle: The Benefits Of Professional Deep Clean Services

When preparing for a home appraisal in Seattle, it's essential to recognize the impact a clean home can have on the...

What if home appraisal comes in low?

What if home appraisal comes in low?

If the appraisal is lower than the purchase price, your lender is likely to lower the amount you can borrow. So you'll...

From Leaks To Higher Value: Why Roof Repair In Austin, TX Pays Off At Appraisal Time

From Leaks To Higher Value: Why Roof Repair In Austin, TX Pays Off At Appraisal Time

In Austin's competitive real estate market, even the smallest home improvement can make a noticeable difference in...

The Secret To A Higher Home Appraisal: Tree Pruning Services In Martinsburg, WV

The Secret To A Higher Home Appraisal: Tree Pruning Services In Martinsburg, WV

Are you looking to boost the value of your home in Martinsburg, WV? Well, the secret to achieving a higher home appraisal ...

Maximizing Home Appraisal Value In Denver Through Seamless Gutter Repair

Maximizing Home Appraisal Value In Denver Through Seamless Gutter Repair

When it comes to increasing the value of your home in Denver, seamless gutter repair often goes unnoticed. However, this...

How Public Adjusters Count On Appraisals During Home Insurance Claims In Fort Myers

How Public Adjusters Count On Appraisals During Home Insurance Claims In Fort Myers

It's no secret that a home appraisal is an important part of the home-buying process in Florida. But what you may not...

Luxury Home Construction Trends That Boost Home Appraisal Values In Austin

Luxury Home Construction Trends That Boost Home Appraisal Values In Austin

In modern luxury home construction, smart home integration has become a key feature that can boost home appraisal values. ...

The Condition Connection: Why AC Repair Services Directly Influence Your Las Vegas Home Appraisal

The Condition Connection: Why AC Repair Services Directly Influence Your Las Vegas Home Appraisal

In a city where air conditioning is essential, not optional, the condition of your HVAC system plays a larger role in...

Top Reasons To Hire Concrete Patios Contractors For Better Home Appraisal In Bakersfield

Top Reasons To Hire Concrete Patios Contractors For Better Home Appraisal In Bakersfield

For homeowners in Bakersfield, the decision to invest in home improvements is often driven by a desire to enhance their...

What is the most accurate home appraisal site?

What is the most accurate home appraisal site?

Zillow never claims to be 100% accurate. If all homes within a six-block radius are very similar to each other, a Zillow...

The Ultimate Guide To Cutting Down A Tree In Scottsdale, AZ: How It Affects Your Home Appraisal

The Ultimate Guide To Cutting Down A Tree In Scottsdale, AZ: How It Affects Your Home Appraisal

When it comes to maintaining your property in Scottsdale, Arizona, the decision to cut down a tree is not one to be taken ...

Santa Rosa Home Appraisals: The Hidden Value Of Timely AC Repairs

Santa Rosa Home Appraisals: The Hidden Value Of Timely AC Repairs

In Santa Rosa, where summer temperatures can soar, a reliable air conditioning system is more than just a comfort—it's...

Why waive home appraisal?

Why waive home appraisal?

Waiving a home appraisal is becoming an increasingly common practice in real estate transactions, particularly in...

The Green Investment: Why Tree Services In Marion, NC Are Key To A Higher Home Appraisal

The Green Investment: Why Tree Services In Marion, NC Are Key To A Higher Home Appraisal

Investing in your home's landscape is more than just enhancing curb appeal—it's a strategic move that can significantly ...

Should i get an appraisal before buying a house?

Should i get an appraisal before buying a house?

Lenders always require a home appraisal before issuing a mortgage because they want to protect their investment; if the...