--- title: Home Inspection vs. Appraisal Report description: Karen Jones, Certified Mortgage Advisor educates consumers on the differences between an appraisal and a home inspection. image: https://homeloansbykarenjones.com/hubfs/blog%20post%20(1).png --- [Skip to content](https://homeloansbykarenjones.com/blog/home-inspection-vs.-appraisal-report#main-content) - [Home](https://homeloansbykarenjones.com) - [Home Search](https://nest.me/?affiliate=karen.jones1) - Just for Agents - [Grow Your Business](https://strategy4successnow.com/) - [Menu of Services](https://karen-strategy4successnow.square.site/) - [Video Marketing](https://strategy4successnow.com/video-marketing) - [Website Services](https://strategy4successnow.com/websites) - Buyers - [Buyer Ready Program](https://homeloansbykarenjones.com/buyer-ready) - [1st-Time Homebuyers](https://homeloansbykarenjones.com/first-time-homebuyer) - [How Much Home Can You Buy?](https://myhome.freddiemac.com/resources/calculators/how-much-can-you-afford) - 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[Home Loan Programs](https://homeloansbykarenjones.com/home-loan-programs) - [Karen's Blog](https://homeloansbykarenjones.com/blog) - [Apply Now](https://launch.altitudehomeloans.com/home/karen-jones) Jun 27, 2024, 2:24:56 PM # Home Inspection vs. Appraisal Report ![Picture of Home Loans by Karen Jones](https://app.hubspot.com/settings/avatar/a51a5f4af189a6622c77606b00637e64) [Home Loans by Karen Jones](https://homeloansbykarenjones.com/blog/author/home-loans-by-karen-jones) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://homeloansbykarenjones.com/blog/home-inspection-vs.-appraisal-report) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://homeloansbykarenjones.com/blog/home-inspection-vs.-appraisal-report) [Twitter icon](https://twitter.com/intent/tweet?url=https://homeloansbykarenjones.com/blog/home-inspection-vs.-appraisal-report) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://homeloansbykarenjones.com/blog/home-inspection-vs.-appraisal-report) [envelope icon](mailto:?body=https://homeloansbykarenjones.com/blog/home-inspection-vs.-appraisal-report) When you're buying your first home, you might encounter various terms and conditions that are unfamiliar. While you may have a general understanding of what an inspection is, you might not be clear on why it's necessary or how it differs from an appraisal. Let's break down these two key aspects of the home-buying process and what they mean for you. **Home Inspection** Once you're under contract for a home, getting an inspection is essential. An inspection provides a detailed look at the![blog post (1)](https://homeloansbykarenjones.com/hs-fs/hubfs/blog%20post%20(1).png?width=360&height=270&name=blog%20post%20(1).png) safety and overall condition of the property, which is crucial for such a significant investment. As a recent Realtor.com article states: "A home inspection protects your financial interest in what is likely the largest purchase you'll make in your life—one where you need as much information as possible." If the inspection reveals any issues, such as the age of the roof, the condition of the HVAC system, or other concerns, you can negotiate with the seller to address these problems before finalizing the transaction. Don’t worry—you won’t be navigating this process alone. Your real estate agent will advocate for you and handle negotiations with the seller. You'll want to get the Home Inspection completed prior to ordering and paying for your appraisal.  Most lenders require that the appraisal fee be paid upfront and you do not want to pay for an appraisal on a home that you have chosen not to purchase due to its' condition. **Home Appraisal** ![blog post](https://homeloansbykarenjones.com/hs-fs/hubfs/blog%20post.png?width=323&height=242&name=blog%20post.png)While an inspection assesses the current state of the house, an appraisal determines its value. As explained by Bankrate: "An appraisal verifies that the sale price of the home aligns with fair market value, ensuring the lender doesn't lend more than the home's worth." Consumers are able to pay above the appraised value of a home, they will just need to increase their down payment to cover the difference and their loan size will be based upon the appraised value.  However, in most instances, when the appraisal comes in lower than the purchase price of the home, your agent will renegotiate the terms of your home purchase.  They seller may reduce the price to meet the appraisal and if they don't then you have an important decision to make.  Do you cancel the purchase or pay the difference. In any event, your agent is there to help you with those decisions and will guide you to a solution that meets your goals. **Bottom Line** Inspections and appraisals are distinct but equally important steps in the home-buying process, and you don't have to manage them on your own. Reach out to me for your Arizona home purchase and I'll connect you  with a real estate agent to get expert guidance from start to finish. [#homeloansbykarenjones](https://homeloansbykarenjones.com/blog/tag/homeloansbykarenjones) ## Related posts [![Bust the Myths: New Condo Rules Are Designed to Protect Buyers](https://homeloansbykarenjones.com/hs-fs/hubfs/Bust%20the%20Myths-%20New%20Condo%20Rules%20Are%20Designed%20to%20Protect%20Buyers-1.png?height=200&name=Bust%20the%20Myths-%20New%20Condo%20Rules%20Are%20Designed%20to%20Protect%20Buyers-1.png)](https://homeloansbykarenjones.com/blog/new-condo-rules-protect-buyers) [#homeloansbykarenjones](https://homeloansbykarenjones.com/blog/tag/homeloansbykarenjones), [first-time homebuyer phoenix](https://homeloansbykarenjones.com/blog/tag/first-time-homebuyer-phoenix), [Arizona homebuying advice](https://homeloansbykarenjones.com/blog/tag/arizona-homebuying-advice), [Homeownership Protection](https://homeloansbykarenjones.com/blog/tag/homeownership-protection), [Protect Your Property](https://homeloansbykarenjones.com/blog/tag/protect-your-property) ## [Bust the Myth: New Condo Rules Are Designed to Protect Buyers](https://homeloansbykarenjones.com/blog/new-condo-rules-protect-buyers) ![Picture of Home Loans by Karen Jones](https://app.hubspot.com/settings/avatar/a51a5f4af189a6622c77606b00637e64) [Home Loans by Karen Jones](https://homeloansbykarenjones.com/blog/author/home-loans-by-karen-jones) Aug 6, 2026, 11:47:05 AM Bust the Myths: New Condo Rules Are Designed to Protect Buyers You may have heard that new Fannie... [Read more](https://homeloansbykarenjones.com/blog/new-condo-rules-protect-buyers) [![Student Loans and Mortgage Qualification in Arizona](https://homeloansbykarenjones.com/hs-fs/hubfs/Can%20you%20buy%20a%20home%20with%20student%20loans.jpg?height=200&name=Can%20you%20buy%20a%20home%20with%20student%20loans.jpg)](https://homeloansbykarenjones.com/blog/student-loans-and-mortgage-qualification-in-arizona) [Arizona homebuying advice](https://homeloansbykarenjones.com/blog/tag/arizona-homebuying-advice), [homeownership counts](https://homeloansbykarenjones.com/blog/tag/homeownership-counts), [Buyer Ready Service](https://homeloansbykarenjones.com/blog/tag/buyer-ready-service), [doctor loans arizona](https://homeloansbykarenjones.com/blog/tag/doctor-loans-arizona), [Home Loans by Karen Jones](https://homeloansbykarenjones.com/blog/tag/home-loans-by-karen-jones) ## [Student Loans and Mortgage Qualification in Arizona](https://homeloansbykarenjones.com/blog/student-loans-and-mortgage-qualification-in-arizona) ![Picture of Karen Jones](https://app.hubspot.com/settings/avatar/a51a5f4af189a6622c77606b00637e64) [Karen Jones](https://homeloansbykarenjones.com/blog/author/karen-jones) Sep 16, 2026, 6:30:00 PM If you have student loans and are thinking about buying a home, you may be wondering: Will my... [Read more](https://homeloansbykarenjones.com/blog/student-loans-and-mortgage-qualification-in-arizona) [![](https://homeloansbykarenjones.com/hs-fs/hubfs/Buyer%20Ready%20Service.png?height=200&name=Buyer%20Ready%20Service.png)](https://homeloansbykarenjones.com/blog/stop-guessing-start-planning-how-a-certified-mortgage-loan-advisor-solves-the-credit-score-dilemma) [#homeloansbykarenjones](https://homeloansbykarenjones.com/blog/tag/homeloansbykarenjones), [first-time homebuyer phoenix](https://homeloansbykarenjones.com/blog/tag/first-time-homebuyer-phoenix) ## [Stop Guessing, Start Planning: How a Certified Mortgage Loan Advisor Solves the Credit Score Dilemma.](https://homeloansbykarenjones.com/blog/stop-guessing-start-planning-how-a-certified-mortgage-loan-advisor-solves-the-credit-score-dilemma) ![Picture of Home Loans by Karen Jones](https://app.hubspot.com/settings/avatar/a51a5f4af189a6622c77606b00637e64) [Home Loans by Karen Jones](https://homeloansbykarenjones.com/blog/author/home-loans-by-karen-jones) Jan 15, 2026, 9:27:03 PM The Credit Score Myth Keeping Potential Homeowners on the Sidelines Are you sitting on the... [Read more](https://homeloansbykarenjones.com/blog/stop-guessing-start-planning-how-a-certified-mortgage-loan-advisor-solves-the-credit-score-dilemma) --- Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://homeloansbykarenjones.com/blog/home-inspection-vs.-appraisal-report) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://homeloansbykarenjones.com/blog/home-inspection-vs.-appraisal-report) [Twitter icon](https://twitter.com/intent/tweet?url=https://homeloansbykarenjones.com/blog/home-inspection-vs.-appraisal-report) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://homeloansbykarenjones.com/blog/home-inspection-vs.-appraisal-report) [envelope icon](mailto:?body=https://homeloansbykarenjones.com/blog/home-inspection-vs.-appraisal-report) "We are committed to educating and assisting qualified borrowers as they pursue their homeownership goals." ## **Hear From Past Clients** Customer Testimonials [![Powered by Reach150](https://reach150.com/img/common/powered-by-16.png)](https://reach150.com/altitude-home-loans/review/61033/karen-jones)   [Contact Karen](mailto:kjones@altitudehomeloans.com) --- Karen Jones, a Licensed Mortgage Loan Officer (NMLS 307015), located in Phoenix, Arizona has been serving families with their home lending needs for over 40 years.  As a Certified Mortgage Advisor, Karen is dedicated in ensuring that her clients are well educated and prepared for their new home loan decision.  Karen Jones complies with all regulations and rules of all government agencies and regulators including the Real Estate Settlement and Procedures Act. The services provided by Karen Jones are not a condition, nor do they create any obligation for any form of remuneration for any real estate settlement service related to any referral. The opinions expressed here are the opinions of the author and do not reflect the opinions of Altitude Home Loans.  Altitude Home Loans NMLS 1955555  AZ BK 1007669  Branch NMLS 2488403   ![Altitude Home Loans- Karen Jones Transparent](https://homeloansbykarenjones.com/hs-fs/hubfs/Altitude%20Home%20Loans-%20Karen%20Jones%20%20Transparent.png?width=986&height=204&name=Altitude%20Home%20Loans-%20Karen%20Jones%20%20Transparent.png) **                                                 Karen Jones**                                               Senior Certified Mortgage Advisor, RCS-D                                               NMLS 307015 | AZ Lic 0914383                                               Office:  602.613.3573                                               Branch Address:                                               8388 E Hartford Drive, Suite 111                                               Scottsdale, AZ  85255                                               Branch NMLS 2488403   [ Licenses & Disclosures](https://altitudehomeloans.com/licenses-and-disclosures/)    [NMLS Consumer Access](https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1955555)   Altitude Home Loans. NMLS 1955555. AZ BK 1007669. Altitude Home Loans is an Equal Housing Lender. Altitude Home Loans is not affiliated with any government agencies. This information is not from HUD or FHA and was not approved by the Department or Government Agency. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice. All products are subject to credit approval. Other restrictions and limitations may apply.  The views expressed are opinions of Karen Jones alone and do not necessarily reflect the views of Altitude Home loans.  The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Karen Jones does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision.  Karen Jones will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.   ![Equal Housing Logo- HD](https://homeloansbykarenjones.com/hs-fs/hubfs/Equal%20Housing%20Logo-%20HD.jpg?width=53&height=54&name=Equal%20Housing%20Logo-%20HD.jpg)   ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Home Loans by Karen Jones", "url" : "https://homeloansbykarenjones.com/blog/author/home-loans-by-karen-jones" }, "dateModified" : "2024-06-27T21:53:41.282Z", "datePublished" : "2024-06-27T21:24:56.000Z", "headline" : "Home Inspection vs. Appraisal Report", "image" : [ "https://homeloansbykarenjones.com/hubfs/blog%20post%20(1).png" ], "mainEntityOfPage" : { "@id" : "https://homeloansbykarenjones.com/blog/home-inspection-vs.-appraisal-report", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject" } } } ```