"My lender already ordered an appraisal — do I really need an inspection too?" Yes. Here's why.
Quick comparison
| Aspect | Home Inspector | Appraiser |
|---|---|---|
| Purpose | Identify defects and condition issues | Determine market value |
| Hired by | Buyer (you) | Lender (on your behalf) |
| Reports to | Buyer | Lender (you get a copy) |
| Time on site | 2-4 hours | 15-45 minutes |
| Cost | use our calculator for exact pricing | paid through your lender at closing |
| Optional? | Yes (but never skip) | Required by lender |
What an appraiser does NOT do
- Test outlets, GFCIs, AFCIs
- Run AC, furnace, water heater
- Crawl into crawlspaces or attics
- Operate every faucet, drain, and toilet
- Inspect the roof up close
- Check the electrical panel
- Test for radon, mold, water quality, asbestos
- Document defects in detail
What a home inspector does NOT do
- Tell you what the home is worth
- Compare to other recent sales
- Justify your loan amount
- Provide an opinion of value to your lender
You need both
The appraisal protects the lender. The inspection protects you. Skipping the inspection to save a few hundred dollars is the costliest "savings" most homebuyers ever make. Get your inspection quote here.
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