Property Valuation

An appraisal is different from a competitive market analysis (CMA) primarily because:

AA CMA is more accurate than an appraisal
BAn appraisal is conducted by a licensed/certified appraiser and meets USPAP standards; a CMA is prepared by a real estate licensee as a sales tool✓ Correct
CA CMA is required for all mortgage transactions while an appraisal is optional
DAn appraisal is done only for commercial properties

Explanation

An appraisal is a formal, USPAP-compliant valuation performed by a licensed or certified appraiser and required by lenders for mortgage financing. A CMA is an informal analysis prepared by a licensee to assist in pricing, not for lending.

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