So I refinancing my mortgage to take advantage of the insanely low rates being offered right now, the closing costs are next to nothing and the only thing standing between me and closing is the appraisal. I like to worry about things and of course I'm worried about the appraisal. I think my home is worth every penny I estimated when filling out the paperwork but there's also the part of me that knows every little problem with my home and questions what the appraiser is going to try and dig up... Anyone like to share their experiences going through this process? From what I've read online they make it sound more like a home inspection than an appraisal. I plan on doing some touch up painting outside and a little spackle and touch ups inside, is this person going to be very critical or just do a walk through? Thanks!