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There may be a difference in the value a house and property are assessed at and what its really worth. This unfortunate situation comes when the secondary mortgage market has an interest in seeing higher value for homes. There have been reports of home appraisers giving inflated values on homes to meet the needs of secondary mortgage market investment companies. That would inflate the values of the homes and result in inflated mortgage costs, or perhaps the rejection of a home mortgage application or require further down payment.