Do appraisers come inside the house for a refinance appraisal?

It depends on the type of appraisal the lender orders. A traditional full appraisal includes an in-person interior and exterior inspection of the home, while desktop and hybrid appraisals collect data remotely through public records and reliable third parties without a full visit. A lender requires an appraisal for a refinance, and the borrower typically pays its cost, but not every refinance appraisal includes an interior inspection.