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The Banks Valuation 20-Point Framework for Accurately Valuing Your Home

A complete 96-page guide explaining how professional appraisers determine home value, and why it matters for buyers, sellers, lenders, and investors.

the framework

Residential Home Appraisals

Residential home appraisals are often misunderstood, yet they are essential to every real estate transaction. Whether you are buying, selling, refinancing, or appealing property taxes, an appraisal provides an independent, licensed opinion of what your home is truly worth.

Unlike online estimates or CMAs, appraisals are performed by licensed professionals who analyze market conditions, neighborhood trends, and property-specific characteristics to determine fair market value.

Banks Valuation developed The 20-Point Framework to Accurately Value Your Home to give buyers, sellers, agents, attorneys, and investors a clear understanding of how value is determined. This systematic approach blends market-level, local, and property-level insights to create a complete valuation picture.

What You’ll Learn

Our Free Guide

This free guide provides in-depth explanations of:

Market Factors

Market Factors including supply and demand, interest rates, economic trends, and regulations

Local Market Factors

Local Market Factors such as comparable sales, time on market, pending sales, new construction, and property taxes

Property-Specific Factors

Property-Specific Factors like location, condition, upgrades, energy efficiency, and unique features

The Appraisal Process

The Appraisal Process from how an appraisal is ordered to how the final report is delivered

Every section includes real-world context and examples, making the complex appraisal process easier to understand.

Why This Matters for You

The Banks Valuation 20-Point Framework empowers you to:

  • Avoid overpaying when buying a home
  • Price your property with confidence when selling
  • Strengthen tax appeal cases with credible insights
  • Make informed decisions in divorce, estate, and investment scenarios
  • Understand the reasoning behind professional appraisal reports

Get Our Free eBook

You can read the full 96-page eBook right here on this page or download a PDF copy for your own reference.

About us

Banks Valuation has over 20 years of expertise in property valuation, serving lenders, attorneys, real estate agents, and homeowners across multiple states. Our licensed appraisers combine deep market knowledge with advanced technology to deliver accurate, defensible valuations quickly and efficiently.

Frequently Asked Questions

About Home Appraisals

What is a residential home appraisal?

A residential appraisal is a licensed professional’s assessment of fair market value, using comparable sales, market trends, and property-specific analysis.

Why are appraisals different from CMAs or online estimates?

CMAs and automated valuations provide estimates. Appraisals follow strict professional standards (USPAP) and result in a legally defensible opinion of value.

When should I order an appraisal outside of a mortgage?

Situations include property tax appeals, divorce, estate planning, investment analysis, and pricing a home for sale.

How does Banks Valuation approach appraisals differently?

We use a systematic 20-point framework that evaluates market, local, and property-level characteristics to ensure thorough and accurate results.