Interest rates may have been rising, but they are still invitingly low. As a consequence, some Palm Beach County homeowners are looking to refinance their mortgages to lock in interest rates while they can. A key element in both refinancing and home sales is, of course, the formal appraisal. Most homeowners regard the appraisal process as a spectator activity: the appraiser comes, checks out the house, goes back to the office

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