Hi, I’m Matt Padgett with Keystone Mortgage. Today I’m going to talk about for a minute about the home appraisal. Appraisals can be one of the most confusing and frustrating parts about a home buying process.We will order the appraisal for your home once we get conditional approval. How does an appraiser determine the value of your house? Really? It’s simply based on comparable sales in your geographic area over the last year. So regardless if one home has golden counter tops and the other just has regular counter tops. If the houses are side by side with the same number of bedrooms, the same number of bathrooms. the values are going to be very similar.