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appraisal date. Day as of which an appraiser's estimate of value applies.
Appraisals are an important part of the homebuying process. A real estate appraisal establishes a property's market value â the likely sales price it would bring if offered in an open and competitive real estate market. Lenders require appraisals when buyers use their new homes as security for their mortgages. An appraisal provides the lender with assurance that the property will sell for at least the amount of money it is lending. Don't confuse a comparative market analysis, or CMA, with an appraisal. A CMA is a sales report based on data entered into the multiple listing service, or MLS.