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When you purchase a house and get a mortgage the lender chooses the appraiser in most cases. Most appraisers are hired through Appraisal Management Companies who use a rotation system and you never know what kind of experiece or compentency the appraiser has. If you want to know what your current house or prospective house is truly worth, you should hire a non-biased third party appraisal to perform an appraisal on your behalf for your own peace and knowledge of your investment.