Nothing is more disheartening than receiving word that you have been declined!  That’s time energy and money out the window.  Three reasons to  know your home value before you apply: * According to a 2010 annual government report, 35% of all mortgage/refine applications are denied * Guess who paid the $300-500 for that appraisal whether the loan is approved or not?  You guessed it… the borrower, you! * Doesn’t it make sense to spend $19 for a Certified Property Valuator to provide an accurate valuation of your home before you …