How do house appraisals work? are some buildings or structures better or worse for the appraisals?
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The idea behind an appraisal is to make a good guess as to how much a house would sell for. So first thing they do is look at other houses in the neighborhood; if the 2 bed 1 bath next door just sold for 300k, you can reasonably assume that your 2 bed 1 bath will still for the same. Then they look at the history of the house, the design, the style, the lot it’s on, etc. After all that, they’ll send someone out to actually look at the house. They look for signs of wear, damage, and if the owner ~~is white~~ seems like they keep up on general maintenance, that sort of thing.
After all that is done, the appraiser gives their best guess as to what the house is worth, which the mortgage company will look at to see how much money they’ll lend you and the tax man will look at to see what property taxes you owe.
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