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