> For the complete documentation index, see [llms.txt](https://underwriting.homium.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://underwriting.homium.io/underwriting-property/appraisal-requirements/review-of-the-appraisal-report/appraisal-report-analysis.md). # Appraisal Report Analysis When an appraisal is obtained, the underwriter must analyze the * current contract for sale for purchase money transactions, * current offering or listing for sale for both purchase and refinance transactions when the home was listed for sale, * comparable sales for both purchase and refinance transactions, and * current ownership for the subject property The underwriter is responsible for validating that * the property meets Homium’s eligibility criteria (see General Property Eligibility, for eligibility requirements); and * the appraiser has provided an accurate and reliable opinion of value that reflects the market value, condition, and marketability of the subject property in compliance with Homium’s requirements. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://underwriting.homium.io/underwriting-property/appraisal-requirements/review-of-the-appraisal-report/appraisal-report-analysis.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.