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What Lenders Do When Home Valuations Differ Significantly

October 25, 2026
Timothy Chase
Mortgage Basics

An appraisal, an automated valuation model, and a broker price opinion can all put different values on the same home. When those numbers diverge, your lender has to decide which one is most reliable — and you have rights in that process. Here's how it works for Colorado buyers and refinancers.

What Information Does a Home Valuation Take Into Account?

October 25, 2026
Timothy Chase
Mortgage Basics

Every home valuation — whether a full appraisal, a broker price opinion, or an automated model — rests on the same core inputs: sales of similar homes in the same area, tax assessments, and the physical details of the property itself. Here's what goes into the number, why different valuations can disagree, and what Colorado borrowers can do about it.