We have a lot of upgrades in our house.

You have to have full appraisal where you can get value for the upgrades. Upgrades in kitchen and bathrooms will give you higher value providing your home is upgraded better than average comparing the properties in your vicinity. Michael ErtemRPM Mortgage925-973-5701mertem@rpm-mtg.comwww.rpm-mtg.com/mertem

Your lending loan officer should account for your upgrades and order a full appraisal of the home, including outside, and in. When appraiser visits, walk with them and point out the items renovated or upgraded. Appraiser will make a note of them and adjust to value if appropriate. Good luck

Full interior appraisal is required as pointed out. Just inform the appraiser of the upgrades and it would help to provide the receipts for the cost and appraisers have their guidelines on how much to "value" those upgrades.

Sounds Like you are just getting a Drive By Appraisal. Tell your lender you want a Full Appraisal done on your house but don't be shock if you don't get much for all your upgrades on your house.

Appraisals for first mortgage refinances require a full appraisal including a walk through inside the home. A good appraiser will note recent improvements and further note in comparison to other homes. Square footage is also important, again must line up with comparables. Quality workmanship and quality of materials will be "commented" on. However, if you want credit for better than average ceiling fans, count on nothing there. Jim Brown, SUN Home Loans, a SUN National Bank Company 732.245.5121

hi: I as a underwriter perception, I would definitely have the appraiser provide sufficient comments...comps should be justifiable and make sense..As long as evidence is provided to support the market, area and for re-sale, that is what an underwriter is looking for mainly. An efficient appraiser will justify his reasonings etc vs the other comparables compared to your house.