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What is a lender’s appraisal for, and can the borrower obtain a copy?

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College of the Holy Cross

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Morgan State University

General mortgage education for readers considering housing near Morgan State University These questions explain general mortgage-financing guidance for readers considering housing near Morgan State University. They do not describe Morgan State programs, financial aid or endorsements. Your lender's actual documents, property, proposed product and circumstances determine what applies; no individual borrowing eligibility, rate, approval or transaction outcome is established. CFPB says the lender uses an independent professional appraisal to decide the home’s value and that the borrower has a right to a copy. This does not establish a property’s actual appraised value or condition. Does not establish a property's value, condition, acceptance, financing sufficiency, or loan approval. Review the corresponding section of your lender-issued Loan Estimate and ask the lender about any unclear term. CFPB — Appraisal. Source date: 2025-10-29. Evidence observed October 18, 2026.

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