All of the factors in a home appraisal come with a calculated dollar amount that will have little to do with the details of your own home and a lot to do with homes like yours. Most real estate appraisers use a Comparative Market Analysis, or CMA, to compare your home to recently sold homes in the area. Size, type of house, number of rooms, garage or no garage, and square footage are some of the elements used for comparison.
If the comparable values fall below what a seller has in mind for price, the factors mentioned previously can be considerations for increasing value. And the quality inside your home and the improvements you've made beyond those of comparable homes can also boost value. However, as a matter of ethics and in keeping with regulations such as those in the Interagency Appraisal and Evaluation Guidelines compiled with the Federal Reserve of the United States, it's a very serious breach of ethics for an appraiser to artificially inflate a home's value just so a buyer can secure the bank loan at the selling price [source: Bedard].