I wonder if this is location dependent, because my bank barely cared about those things when they approved my refinance last year. The appraisal consisted of ju

I wonder if this is location dependent, because my bank barely cared about those things when they approved my refinance last year. The appraisal consisted of just driving by the house. They didn’t check for any condition of the house. It probably helps that the entire house could just disappear and the price for the lot would only change 10% or so.