Independent. Unbiased. Experienced.
Refinance Appraisals for Mortgage Lending
Serving Western Washington Property Owners Since 1992
service areas
- Pierce County, WA
- King County, WA
- Kitsap County, WA
- Thurston County, WA
- Pierce County, WA
- King County, WA
- Kitsap County, WA
- Thurston County, WA
service areas
- Pierce County, WA
- King County, WA
- Kitsap County, WA
- Thurston County, WA
Refinance Appraisals for Mortgage Underwriting
Residential refinance transactions often require an independent appraisal to support mortgage underwriting.
Atled Enterprises provides refinance appraisals for conventional, FHA, VA, and USDA loan programs throughout Pierce, Kitsap, Thurston, and King Counties.
All refinance appraisal assignments are completed in compliance with lender requirements and the Uniform Standards of Professional Appraisal Practice (USPAP).
Supporting Residential Refinance Transactions
A refinance appraisal establishes the property’s current fair market value to support loan approval, risk analysis, and underwriting guidelines. Each assignment includes:
- Careful analysis of recent comparable sales
- Market condition evaluation
- Verification of property characteristics
- Interior and exterior inspection (when required)
- Clear, well-supported valuation reporting
Objective valuation supports accurate lending decisions.
Types of Refinance Appraisals
Refinance appraisals may be completed for:
- Conventional refinance transactions
- FHA refinance loans
- VA refinance loans
- Rate-and-term refinance
- USDA refinance loans
- Cash-out refinance
Assignments are handled professionally, communicated promptly, and completed in accordance with applicable lending program requirements.
Understanding Appraisal Waivers in Refinance Transactions
In some refinance scenarios, lenders may issue an appraisal waiver based on automated valuation models and internal risk analysis.
While this may reduce lender requirements, borrowers should understand that:
- No licensed appraiser inspects the property
- Value is determined using automated systems
- Property-specific characteristics may not be evaluated
In certain situations, borrowers may choose to obtain an independent appraisal for documentation, equity verification, or financial planning purposes.
Serving Western Washington Lenders & Borrowers
Refinance appraisal services are available throughout Pierce, Kitsap, Thurston, and King Counties, including Tacoma, Puyallup, Gig Harbor, Bremerton, Silverdale, Olympia, Lacey, and surrounding communities.
Professional Standards & Experience
Kelly Kelsoe has been a full-time residential appraiser since 1992 and is a Washington State Certified Residential Appraiser.
All refinance appraisal assignments are completed in accordance with USPAP and applicable lender guidelines.
Each report includes:
- Objective valuation support
- Relevant and verified comparable sales
- Clear documentation aligned with lending standards
Frequently Asked Questions
A refinance appraisal is an independent valuation conducted as part of a mortgage refinance. The appraisal determines the property’s current market value to support loan underwriting.
In most cases, the lender orders the appraisal through an appraisal management company (AMC) or directly through approved appraisers. Borrowers typically do not select the appraiser when lender financing is involved.
Not always. In certain cases, lenders may issue an appraisal waiver based on internal valuation models. Requirements vary by lender and loan type.
Turnaround time depends on property type, location, and scheduling availability. Most refinance appraisals are completed within standard lending timelines. Any specific deadlines should be communicated at the time of engagement.
No. A refinance appraisal is completed for lending purposes and does not automatically impact county property tax assessments.