{"id":8738,"date":"2026-11-12T11:53:49","date_gmt":"2026-11-12T16:53:49","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=8738"},"modified":"2026-11-12T11:53:54","modified_gmt":"2026-11-12T16:53:54","slug":"what-is-an-appraisal-waiver-benefits-risks-and-requirements","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/what-is-an-appraisal-waiver-benefits-risks-and-requirements\/","title":{"rendered":"What Is an Appraisal Waiver? Benefits, Risks, and Requirements"},"content":{"rendered":"\n<p class=\"has-text-align-center wp-block-paragraph\">By: <a href=\"https:\/\/tomo.com\/blog\/author\/tomo-staff\/\" title=\"\">Tomo Mortgage Staff<\/a><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Reviewed by: <a href=\"https:\/\/tomo.com\/mortgage\/people\/andrew-beck\" title=\"\">Andrew Beck, Senior Loan Advisor | NMLS #1970720<\/a><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">November 12, 2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">An appraisal waiver lets eligible borrowers skip a traditional home appraisal when getting a mortgage. It can save money and remove a step from the closing process, but it also means going without an independent appraisal of the home&#8217;s value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Key takeaways<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>You can&#8217;t get a waiver just by asking.<\/strong> Fannie Mae&#8217;s or Freddie Mac&#8217;s underwriting system must offer one for your loan and property.<\/li>\n\n\n\n<li><strong>It can save time and money.<\/strong> You may avoid an appraisal fee and the wait for a report, but an earlier closing isn&#8217;t guaranteed.<\/li>\n\n\n\n<li><strong>It doesn&#8217;t confirm what the home is worth.<\/strong> On a purchase, the system accepts the contract price for underwriting without a new appraisal.<\/li>\n\n\n\n<li><strong>An appraisal waiver isn&#8217;t an appraisal contingency waiver.<\/strong> One concerns your mortgage; the other concerns your purchase contract.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is an appraisal waiver?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">An appraisal waiver allows an eligible conventional mortgage to close without a traditional appraisal. Fannie Mae calls its program <strong>value acceptance<\/strong>; Freddie Mac calls its version <strong>automated collateral evaluation (ACE)<\/strong>. Their rules differ, but both let lenders use property data instead of a new appraisal when the underwriting system makes an eligible offer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Your lender submits the loan and property details for automated underwriting. If the system offers a waiver and the lender can use it, you may skip the appraisal. You can&#8217;t force the system to issue an offer, and an offer can change before closing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Some loans receive a different option: <strong>value acceptance + property data<\/strong> (Fannie Mae) or <strong>ACE+ PDR<\/strong> (Freddie Mac). A trained collector visits the home and records its characteristics and condition, but doesn&#8217;t develop an independent appraisal opinion of value. There may be a data-collection fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\">Start your preapproval now<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Benefits and drawbacks of an appraisal waiver<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>What you gain:<\/strong> You may avoid a traditional appraisal fee, which generally costs several hundred dollars, and the time needed to schedule and complete the appraisal. That&#8217;s one less expense among your <a href=\"https:\/\/tomo.com\/blog\/cash-to-close-vs-closing-costs\/\">closing costs<\/a> and one fewer step in underwriting. Still, your purchase contract and other loan requirements may keep your closing date unchanged.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>What you give up:<\/strong> Without an appraisal, you don&#8217;t get an independent opinion of market value or an appraisal report for your records. If you&#8217;ve agreed to pay more than similar homes nearby, you won&#8217;t have a new appraisal to flag that difference.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">An appraisal isn&#8217;t a home inspection either. Even when a property data collector visits, the visit doesn&#8217;t replace a thorough inspection. For more on the distinction, check out our <a href=\"https:\/\/tomo.com\/blog\/mortgage-appraisal-online-lender\/\">What Is a Mortgage Appraisal?<\/a> article.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Who qualifies for an appraisal waiver?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Appraisal waivers apply to eligible <strong>conventional purchase and refinance loans<\/strong>. The underwriting system considers the property, loan type, loan-to-value ratio (LTV), and other details; meeting a published limit doesn&#8217;t guarantee an offer.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">As of November 12, 2026, Fannie Mae allows traditional value acceptance on eligible purchases of primary residences and second homes up to <strong>90% LTV<\/strong> (generally at least 10% down). Certain purchases using value acceptance + property data can qualify up to <strong>97% LTV<\/strong> (generally 3% down). Refinance limits vary by transaction and property type. Freddie Mac&#8217;s ACE also allows certain purchases up to 90% LTV.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Not every home or transaction is eligible. Fannie Mae excludes, among others, two- to four-unit properties, manufactured homes, co-ops, purchases involving a <a href=\"https:\/\/tomo.com\/blog\/gift-of-equity-how-it-works-when-buying-a-home-from-family\/\">gift of equity<\/a>, and transactions valued at $1 million or more. Freddie Mac has separate rules, and lenders or mortgage insurers may impose additional requirements.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Your credit score alone doesn&#8217;t determine whether a waiver is offered. You can check the full rules in <a href=\"https:\/\/selling-guide.fanniemae.com\/sel\/b4-1.4-10\/value-acceptance-appraisal-waiver\">Fannie Mae&#8217;s Selling Guide<\/a> and <a href=\"https:\/\/sf.freddiemac.com\/tools-learning\/technology-tools\/our-solutions\/ace-automated-collateral-evaluation\">Freddie Mac&#8217;s ACE guidance<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How does an appraisal waiver work?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Your lender submits your loan.<\/strong> Fannie Mae&#8217;s Desktop Underwriter or Freddie Mac&#8217;s Loan Product Advisor evaluates the loan and property information.<\/li>\n\n\n\n<li><strong>The system returns an answer.<\/strong> It may offer a traditional waiver, a property-data alternative, or require a traditional appraisal.<\/li>\n\n\n\n<li><strong>Your lender confirms the requirements.<\/strong> An appraisal may still be needed if a law or mortgage insurer requires one, the lender identifies concerns about the property, or changes to your loan affect eligibility.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">You can ask your loan advisor whether an offer is available, and you can request a traditional appraisal instead. If you&#8217;d prefer one, ask about the cost and any effect on your closing timeline. Once an appraisal is obtained, a Fannie Mae value acceptance offer can no longer be used.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Appraisal waiver vs. appraisal contingency<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">An <strong>appraisal waiver<\/strong> affects the valuation your mortgage lender requires. An <strong>appraisal contingency<\/strong> is a clause in your purchase contract that may give you options if an appraisal comes in below the agreed price.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Getting an appraisal waiver doesn&#8217;t automatically remove your appraisal contingency. If your loan won&#8217;t require an appraisal, ask your real estate agent or attorney how the contingency applies before changing your contract.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">You might also see an <em>appraisal waiver form<\/em> in your loan disclosures. That&#8217;s different, too: it generally concerns your right to receive copies of appraisals or other valuations at least three business days before closing. Waiving the delivery timing doesn&#8217;t eliminate <a href=\"https:\/\/www.consumerfinance.gov\/rules-policy\/regulations\/1002\/14\/\">an appraisal requirement<\/a>.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Tomo Mortgage&#8217;s <strong>Appraisal Coverage<\/strong> is also a separate benefit for eligible buyers when a completed appraisal comes in low. It doesn&#8217;t waive the appraisal requirement; see the <a href=\"https:\/\/tomo.com\/mortgage\/terms\">program terms<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Should you accept an appraisal waiver?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">For many buyers, skipping an appraisal is a practical way to reduce costs and simplify closing. But requesting one may make sense if you:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offered substantially more than comparable homes sold for.<\/li>\n\n\n\n<li>Are buying an unusual property with few comparable sales.<\/li>\n\n\n\n<li>Want an independent valuation before committing to the purchase.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">If your concern is the home&#8217;s physical condition, prioritize an inspection rather than relying on an appraisal. Before deciding, ask your loan advisor whether the waiver includes a property visit, what could cause it to be lost, and what ordering an appraisal would cost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Find out what your loan requires<\/strong><\/h2>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Appraisal waiver eligibility depends on the specific loan and property, so preapproval alone typically can&#8217;t confirm whether you&#8217;ll receive one.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\">Get started<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\">Get preapproved with Tomo Mortgage<\/a> to explore your options, then ask your loan advisor about valuation requirements once you have a home in mind.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Frequently asked questions<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Can you get an appraisal waiver on an FHA or VA loan?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Not through Fannie Mae&#8217;s or Freddie Mac&#8217;s programs, which are for eligible conventional loans. Some government-backed refinancing programs, including <a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/sfh\/ins\/streamline\">FHA Streamline<\/a> and <a href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/irrrl.asp\">VA IRRRL<\/a>, generally don&#8217;t require a new appraisal under their separate rules.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Does an appraisal waiver mean the home is worth what I paid?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">No. On a purchase, the underwriting system accepts your contract price without a new appraisal. That isn&#8217;t independent confirmation of the home&#8217;s market value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Can an appraisal waiver be withdrawn before closing?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Yes. Changes to loan or property details, or new information that warrants an appraisal, can affect the offer. Your lender may then need another eligible valuation option or an appraisal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do I still need a home inspection?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">A home inspection is still strongly recommended. An appraisal and a property data-collection visit are not substitutes for an inspection of the home&#8217;s physical condition. Learn more about <a href=\"https:\/\/tomo.com\/blog\/do-i-need-to-worry-about-a-home-inspection\/\">what a home inspection covers<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>By: Tomo Mortgage Staff Reviewed by: Andrew Beck, Senior Loan Advisor | NMLS #1970720 November 12, 2026 An appraisal waiver lets eligible borrowers skip a traditional home appraisal when getting a mortgage. It can save money and remove a step from the closing process, but it also means going without an independent appraisal of the [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":8739,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"single-post-manual-author-byline","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"fifu_image_url":"","fifu_image_alt":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[38,1],"tags":[],"class_list":["post-8738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-dictionary","category-uncategorized"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"An appraisal waiver lets an eligible conventional loan close without a traditional appraisal. Learn how value acceptance and ACE offers are decided.\" \/>\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" content=\"Tomo Mortgage Staff\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/tomo.com\/blog\/what-is-an-appraisal-waiver-benefits-risks-and-requirements\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Mortgage Tips &amp; Real Estate Trends | Blog - Tomo Mortgage\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"What Is an Appraisal Waiver? | Tomo Mortgage\" \/>\n\t\t<meta property=\"og:description\" content=\"An appraisal waiver lets an eligible conventional loan close without a traditional appraisal. 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