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Home Appraisal vs Home Inspection. The difference comes in when you have an appraisal. A home appraisal is required if you will have a mortgage on the home. The appraisal is there for two reasons, for one, the bank wants to make sure that the house that they’re lending on is worth the amount that you’re buying it for.

Getting a qualified home inspector can be an important first step. A home inspector is a qualified professional who visually inspects the structure and components of a home and looks for any immediate or potential problems.

Answer: An appraisal offers a third party value of a property based on recent sales, land values and cost of construction in some cases. A home inspection, gives you a snap shot of what the home is like in this point in time. This way you have knowledge of the age and condition of the home and the mechanicals at the moment you purchased the home.

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Is there a difference between FHA Inspections and Regular Inspections? Would you still hire a regular inspector? Find answers to this and many other questions on Trulia Voices, a community for you to find and share local information. Get answers, and share your insights and experience.