You may be able to skip the Appraisal.  Both Fannie and Freddie (conventional loan rule makers and buyers of most loans) allow for appraisal waivers under certain circumstances.  that basically means no appraisal is needed and no valuation charges are paid by the borrower in most circumstances.

Here are the details.  Includes some technical jargon that might be confusing.  Please contact us for additional details and questions.