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Home Appraisals vs Inspections: Everything You Need To Know

2026-05-01 · 19:07 UTC ·Win The House You Love ·1 min read

Brief

Home Appraisals vs Inspections (tutorial by Kyle Andrew Seagraves) explains the workflow for buyers: how appraisals set loanable value and protect lenders, how inspections reveal condition and protect buyers, when to use appraisal or contingency waivers, how appraisal gaps work, and why to get pre‑approved. The video ends with a practical cheat sheet and lender info.

Why it matters

Kyle Andrew Seagraves (Licensed Loan Originator, NMLS 1701021) published this tutorial on 2026-05-01; at 1:16 he explains how appraisals determine market value (using comparable sales) and primarily protect lenders, while at 3:55 he explains inspections (general vs specialized) that assess property condition and protect buyers.

Key details

  • Between 7:50 and 13:38 the video differentiates appraisal waivers vs contingency waivers, covers the inspection contingency (11:50) and appraisal gaps (13:38), recommends getting pre‑approved (17:03), and concludes with a one‑page cheat sheet (18:24); affiliated lender: NFM Lending (NMLS 2893).
Source evidence

Most buyers confuse appraisals with inspections, and it gets expensive when you waive the wrong one. This breaks down what each one does, who it protects, and how appraisal gaps, waivers, and contingencies actually work.

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0:00 Appraisal vs Inspection
1:16 How An Appraisal Works
3:55 How An Inspection Works
6:13 General vs Specialized Inspections
7:50 Appraisal Waiver vs Contingency Waiver
11:50 Inspection Contingency
13:38 Appraisal Gaps
17:03 Get Pre-Approved
18:24 Cheat Sheet

— DISCLAIMER —
Kyle Andrew Seagraves is Licensed Loan Originator (NMLS 1701021) with NFM Lending (NMLS 2893), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.

NFM Lending
1190 Winterson Road, Suite 300,
Linthicum, MD 21090
Toll Free: +1 (888) 233-0092
NMLS #2893
Equal Housing Lender

Channel: Win The House You Love
Published: 2026-05-01
Video URL: https://www.youtube.com/watch?v=PbyTMnXPudg