{"id":14605,"date":"2026-05-18T14:52:20","date_gmt":"2026-05-18T19:52:20","guid":{"rendered":"https:\/\/anepsa.com.mx\/?page_id=14605"},"modified":"2026-06-18T09:41:13","modified_gmt":"2026-06-18T14:41:13","slug":"what-is-a-house-appraisal","status":"publish","type":"page","link":"https:\/\/anepsa.com.mx\/en\/what-is-a-house-appraisal\/","title":{"rendered":"House Appraisal"},"content":{"rendered":"<!-- ============================================================\n     ANEPSA \u00b7 Aval\u00fao de Casa\n     Dise\u00f1o: minimalista, SVGs ligeros, menos contenedores\n     SEO: keywords preservadas, H2 en formato pregunta\n     CTAs HubSpot: 2 botones \u2192 scroll al formulario del footer (#contacto)\n     ============================================================ -->\n\n<!-- SCHEMA 1: Service (original) -->\n<script type=\"application\/ld+json\">{\n    \"@context\": \"https:\\\/\\\/schema.org\",\n    \"@type\": \"Service\",\n    \"serviceType\": \"Aval\\u00fao de casas habitaci\\u00f3n\",\n    \"provider\": {\n        \"@type\": \"ProfessionalService\",\n        \"name\": \"Anepsa - An\\u00e1lisis Econ\\u00f3micos Profesionales\",\n        \"url\": \"https:\\\/\\\/anepsa.com.mx\",\n        \"telephone\": \"+52-800-269-0024\",\n        \"areaServed\": {\n            \"@type\": \"Country\",\n            \"name\": \"M\\u00e9xico\"\n        },\n        \"address\": [\n            {\n                \"@type\": \"PostalAddress\",\n                \"streetAddress\": \"Enrique R\\u00e9bsamen 512\",\n                \"addressLocality\": \"Ciudad de M\\u00e9xico\",\n                \"postalCode\": \"03020\",\n                \"addressCountry\": \"MX\"\n            },\n            {\n                \"@type\": \"PostalAddress\",\n                \"streetAddress\": \"Santa Isabel 1415 int. 7\",\n                \"addressLocality\": \"Guadalajara\",\n                \"addressRegion\": \"Jalisco\",\n                \"postalCode\": \"44820\",\n                \"addressCountry\": \"MX\"\n            },\n            {\n                \"@type\": \"PostalAddress\",\n                \"streetAddress\": \"Sierra Azul 338\",\n                \"addressLocality\": \"Apodaca\",\n                \"addressRegion\": \"Nuevo Le\\u00f3n\",\n                \"postalCode\": \"66646\",\n                \"addressCountry\": \"MX\"\n            },\n            {\n                \"@type\": \"PostalAddress\",\n                \"streetAddress\": \"Calle Ote 2 48 Reforma\",\n                \"addressLocality\": \"Nezahualc\\u00f3yotl\",\n                \"addressRegion\": \"Estado de M\\u00e9xico\",\n                \"postalCode\": \"57840\",\n                \"addressCountry\": \"MX\"\n            }\n        ]\n    },\n    \"description\": \"Aval\\u00fao de casa habitacional realizado por peritos valuadores certificados ante SEP e INDAABIN, con validez legal en toda la Rep\\u00fablica Mexicana.\"\n}<\/script>\n\n<!-- SCHEMA 2: FAQPage \u2014 7 preguntas completas con c\u00e9dula en respuesta 3 -->\n<script type=\"application\/ld+json\">{\n    \"@context\": \"https:\\\/\\\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"\\u00bfCu\\u00e1nto tiempo toma un aval\\u00fao de casa?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Entre 3 y 7 d\\u00edas h\\u00e1biles desde la inspecci\\u00f3n f\\u00edsica. 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.cta-btns{display:flex;justify-content:center;gap:14px;flex-wrap:wrap}\n\/* \u2500\u2500 Responsive \u2500\u2500 *\/\n@media(max-width:900px){\n  #ac-page .hero-grid,#ac-page .grid-2{grid-template-columns:1fr;gap:24px}\n  #ac-page .hero-visual{display:none}\n  #ac-page .stats-grid,#ac-page .eat-grid{grid-template-columns:repeat(2,1fr)}\n  #ac-page .docs-grid,#ac-page .related-grid{grid-template-columns:1fr 1fr}\n  #ac-page .tab-panel.active{grid-template-columns:1fr}\n  #ac-page .auth-grid{grid-template-columns:1fr}\n  #ac-page .calc-grid{grid-template-columns:1fr 1fr}\n  #ac-page .hs-cta-wrap{flex-direction:column;text-align:center}\n}\n@media(max-width:600px){\n  #ac-page .sec{padding:52px 0}\n  #ac-page .stats-grid,#ac-page .eat-grid,#ac-page .docs-grid,#ac-page .related-grid,#ac-page .grid-3,#ac-page .normas-grid{grid-template-columns:1fr}\n  #ac-page .calc-grid{grid-template-columns:1fr}\n  #ac-page .tab-panel.active{grid-template-columns:1fr}\n}\n<\/style>\n\n<div id=\"ac-page\">\n<!-- \u2550\u2550 HERO \u2550\u2550 -->\n<section class=\"hero\">\n  <div class=\"wrap\">\n    <div class=\"hero-grid\">\n      <div>\n        <!-- CORRECCI\u00d3N: <time> para se\u00f1al de frescura indexable -->\n        <time datetime=\"2026-06-01\" style=\"display:inline-block;font-size:.78rem;color:rgba(255,255,255,.72);margin-bottom:10px;letter-spacing:.04em;\">Updated: June 2026<\/time>\n        <h1>House Appraisal with <em>legal validity<\/em> throughout the Mexican Republic<\/h1>\n        <p class=\"lead\">A <strong>home appraisal<\/strong> This is a technical report signed by a certified appraiser with SEP (Mexican Ministry of Education) credentials that determines the true value of your property. Certified by SEP, INDAABIN, and SAT. Accepted by INFONAVIT, FOVISSSTE, and major Mexican banks.<\/p>\n        <div class=\"hero-ctas\">\n          <a href=\"#ac-contacto\" class=\"btn btn-p\">Request my appraisal<\/a>\n          <a href=\"#ac-calc\" class=\"btn btn-o\">Estimate price<\/a>\n        <\/div>\n        <div class=\"hero-meta\">\n          <span>\u2713 From $3,400 MXN<\/span>\n          <span>\u2713 Delivery in 5 days<\/span>\n          <span>\u2713 National coverage<\/span>\n          <span>\u2713 Accepted by banks<\/span>\n        <\/div>\n      <\/div>\n      <div class=\"hero-visual\">\n        <svg viewbox=\"0 0 440 360\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"width:100%;max-width:420px;\" role=\"img\" aria-label=\"Diagram of the 7 factors of a house appraisal\">\n          <defs>\n            <lineargradient id=\"skyG\" x1=\"0\" y1=\"0\" x2=\"0\" y2=\"1\">\n              <stop offset=\"0%\" stop-color=\"#5bb8e6\" stop-opacity=\".14\"\/>\n              <stop offset=\"100%\" 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    <circle cx=\"216\" cy=\"275\" r=\"14\" fill=\"#7dd0f7\" opacity=\".2\"\/>\n          <circle cx=\"216\" cy=\"275\" r=\"9\" fill=\"#7dd0f7\" stroke=\"#fff\" stroke-width=\"2\"\/>\n          <circle cx=\"395\" cy=\"299\" r=\"14\" fill=\"#7dd0f7\" opacity=\".2\"\/>\n          <circle cx=\"395\" cy=\"299\" r=\"9\" fill=\"#7dd0f7\" stroke=\"#fff\" stroke-width=\"2\"\/>\n          <circle cx=\"320\" cy=\"145\" r=\"14\" fill=\"#7dd0f7\" opacity=\".2\"\/>\n          <circle cx=\"320\" cy=\"145\" r=\"9\" fill=\"#7dd0f7\" stroke=\"#fff\" stroke-width=\"2\"\/>\n        <\/svg>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- Trust bar -->\n<div class=\"trust\">\n  <div class=\"wrap\">\n    <div class=\"trust-inner\">\n      <span class=\"trust-label\">Certified home appraisers \u2014 they trust us<\/span>\n      <div class=\"trust-logos\">\n        <span>SHCP<\/span><span>SAT<\/span><span>INDAABIN<\/span>\n        <span>IMSS<\/span><span>INFONAVIT<\/span><span>FOVISSSTE<\/span>\n        <span>SHF<\/span><span>PEMEX<\/span><span>SEP<\/span>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<!-- Stats -->\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <div class=\"stats-grid\">\n      <div class=\"stat\"><span class=\"stat-num\" data-target=\"30\">0<\/span><span class=\"stat-lbl\">Years of experience<\/span><\/div>\n      <div class=\"stat\"><span class=\"stat-num\" data-target=\"4\">0<\/span><span class=\"stat-lbl\">Branches in Mexico<\/span><\/div>\n      <div class=\"stat\"><span class=\"stat-num\" data-target=\"2800\">0<\/span><span class=\"stat-lbl\">Home appraisals performed<\/span><\/div>\n      <div class=\"stat\"><span class=\"stat-num\" data-target=\"32\">0<\/span><span class=\"stat-lbl\">States with coverage<\/span><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 QU\u00c9 ES \u2550\u2550 -->\n<section class=\"sec sec-alt\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Definition<\/span>\n      <h2>What exactly is a home appraisal?<\/h2>\n      <p>The technical-legal report issued by an expert with SEP certification that determines the real value of your property, valid before banks, notaries, tax authorities and courts.<\/p>\n    <\/div>\n    <div class=\"grid-2\">\n      <div>\n        <h3>Technical and legal definition<\/h3>\n        <p style=\"margin-bottom:13px;\">In Mexico, a <strong>home appraisal<\/strong> It is the opinion issued by a <strong>appraiser with professional SEP license<\/strong> It determines the commercial, tax, or collateral value of a residential property. It is the only legally valid document for civil, commercial, and administrative transactions.<\/p>\n        <h3 style=\"margin-top:20px;margin-bottom:10px;\">Why do you need an appraisal before any transaction?<\/h3>\n        <p style=\"margin-bottom:13px;\"><strong>INFONAVIT, FOVISSSTE and the banks<\/strong> They do not release mortgage loans without a current appraisal. <strong>notaries<\/strong> They require it for property deed registration and calculating the ISAI (Property Transfer Tax). <strong>courts<\/strong> They request it in inheritance and divorce cases. <strong>SAT<\/strong> He uses it in tax audits.<\/p>\n        <div class=\"highlight\">\n          <strong>SHF Data 2024:<\/strong> 341% of rejected mortgage applications in Mexico were due to a discrepancy between the agreed-upon price and the appraised value. A prior professional appraisal eliminates this risk.\n        <\/div>\n      <\/div>\n      <div class=\"visual-card\">\n        <h4>What we deliver<\/h4>\n        <ul>\n          <li><span>Certified market value<\/span><span class=\"chk\">\u2713<\/span><\/li>\n          <li><span>Full photo report<\/span><span class=\"chk\">\u2713<\/span><\/li>\n          <li><span>Comparative market analysis<\/span><span class=\"chk\">\u2713<\/span><\/li>\n          <li><span>Auditable calculation report<\/span><span class=\"chk\">\u2713<\/span><\/li>\n          <li><span>Signature of SEP certified expert<\/span><span class=\"chk\">\u2713<\/span><\/li>\n          <li><span>Legal validity throughout the Republic<\/span><span class=\"chk\">\u2713<\/span><\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 TABS CASOS DE USO \u2550\u2550 -->\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Use cases<\/span>\n      <h2>When is the best time to request your home appraisal?<\/h2>\n      <p>Each situation has different requirements. Select yours to see what it includes.<\/p>\n    <\/div>\n    <!-- CORRECCI\u00d3N: ARIA completo en tabs (aria-selected, aria-controls, id) -->\n    <div class=\"tabs\" id=\"ac-tabs\">\n      <div class=\"tabs-nav\" role=\"tablist\" aria-label=\"Home appraisal use cases\">\n        <button class=\"tab-btn active\" data-tab=\"at1\" role=\"tab\" aria-selected=\"true\"  aria-controls=\"at1\" id=\"tab-at1\">Buy and sell<\/button>\n        <button class=\"tab-btn\"        data-tab=\"at2\" role=\"tab\" aria-selected=\"false\" aria-controls=\"at2\" id=\"tab-at2\">Mortgage Loan<\/button>\n        <button class=\"tab-btn\"        data-tab=\"at3\" role=\"tab\" aria-selected=\"false\" aria-controls=\"at3\" id=\"tab-at3\">Inheritance \/ Succession<\/button>\n        <button class=\"tab-btn\"        data-tab=\"at4\" role=\"tab\" aria-selected=\"false\" aria-controls=\"at4\" id=\"tab-at4\">insurance<\/button>\n        <button class=\"tab-btn\"        data-tab=\"at5\" role=\"tab\" aria-selected=\"false\" aria-controls=\"at5\" id=\"tab-at5\">Trial \/ Litigation<\/button>\n        <button class=\"tab-btn\"        data-tab=\"at6\" role=\"tab\" aria-selected=\"false\" aria-controls=\"at6\" id=\"tab-at6\">Investment<\/button>\n      <\/div>\n      <!-- CORRECCI\u00d3N: role=\"tabpanel\" y aria-labelledby en cada panel -->\n      <div class=\"tab-panel active\" id=\"at1\" role=\"tabpanel\" aria-labelledby=\"tab-at1\">\n        <div><h3>Appraisal for purchase or sale<\/h3><p>Set a fair price so you don&#039;t undervalue your house or scare off potential buyers. This reduces the selling time and is required by the notary when closing.<\/p><\/div>\n        <div class=\"tab-feat\"><h4>Ideal for<\/h4><ul><li>Owners who are going to sell<\/li><li>Buyers who validate price<\/li><li>real estate consultants<\/li><li>Contributions to companies<\/li><\/ul><h4>Delivery<\/h4><ul><li>5 business days \u00b7 Express 48 h<\/li><\/ul><\/div>\n      <\/div>\n      <div class=\"tab-panel\" id=\"at2\" role=\"tabpanel\" aria-labelledby=\"tab-at2\">\n        <div><h3>Appraisal for mortgage loan<\/h3><p>The bank will not lend more than the appraisal value. Our appraisal complies with INFONAVIT, FOVISSSTE, SHF, and Mexican banks.<\/p><\/div>\n        <div class=\"tab-feat\"><h4>Accepted by<\/h4><ul><li>INFONAVIT<\/li><li>FOVISSSTE<\/li><li>SHF<\/li><li>Mexican private banks<\/li><\/ul><\/div>\n      <\/div>\n      <div class=\"tab-panel\" id=\"at3\" role=\"tabpanel\" aria-labelledby=\"tab-at3\">\n        <div><h3>Appraisal for inheritance or divorce<\/h3><p>With multiple heirs or spouses, an appraisal is the only way to divide the property equitably. Compatible with the Mexican Tax Administration Service (SAT) and state treasuries.<\/p><\/div>\n        <div class=\"tab-feat\"><h4>Useful for<\/h4><ul><li>Contentious successions<\/li><li>Inheritance partitions<\/li><li>Divorces with marital property<\/li><li>Dissolution of companies<\/li><\/ul><\/div>\n      <\/div>\n      <div class=\"tab-panel\" id=\"at4\" role=\"tabpanel\" aria-labelledby=\"tab-at4\">\n        <div><h3>Appraisal for insurance purposes<\/h3><p>Calculate the replacement value. Without this information, the insurance company will pay whatever it wants in the event of a claim. With an appraisal, you receive the actual amount needed to rebuild.<\/p><\/div>\n        <div class=\"tab-feat\"><h4>Recommended for<\/h4><ul><li>Premium home insurance policies<\/li><li>Historic or unique houses<\/li><li>Annual revaluation of coverage<\/li><\/ul><\/div>\n      <\/div>\n      <div class=\"tab-panel\" id=\"at5\" role=\"tabpanel\" aria-labelledby=\"tab-at5\">\n        <div><h3>Appraisal for trial or litigation<\/h3><p>When a judge orders a property appraisal, the report must be technically irrefutable. Appraisers must be registered with the Federal Judiciary.<\/p><\/div>\n        <div class=\"tab-feat\"><h4>Subjects<\/h4><ul><li>Civil \u00b7 Family<\/li><li>Trade<\/li><li>Administrative and fiscal<\/li><\/ul><\/div>\n      <\/div>\n      <div class=\"tab-panel\" id=\"at6\" role=\"tabpanel\" aria-labelledby=\"tab-at6\">\n        <div><h3>Appraisal for investment<\/h3><p>If you&#039;re buying houses to rent or resell, you need the real value, potential income, and a 5-year projection. We include IRR, cap rate, and vacancy sensitivity.<\/p><\/div>\n        <div class=\"tab-feat\"><h4>Metrics<\/h4><ul><li>Cap Rate \u00b7 Projected IRR<\/li><li>Cash on Cash Return<\/li><li>Market sensitivity<\/li><\/ul><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 7 FACTORES \u2550\u2550 -->\n<section class=\"sec sec-alt\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Valuation factors<\/span>\n      <h2>What aspects are taken into account in a home appraisal?<\/h2>\n      <p>Each one can move the final value up to 20%. <strong>house appraiser<\/strong> \u2014 or appraiser \u2014 analyzes them all during the physical inspection. Get to know them before your appraisal.<\/p>\n    <\/div>\n    <div class=\"factores-grid\">\n      <div class=\"factor\"><div class=\"factor-n\">1<\/div><h4>Location and surroundings<\/h4><p>The most important factor. Lighting, water, transportation, safety, and nearby services such as schools and hospitals.<\/p><\/div>\n      <div class=\"factor\"><div class=\"factor-n\">2<\/div><h4>Construction and structure<\/h4><p>Square meters built, age and materials. A house over 30 years old without renovation can lose up to 15% in value.<\/p><\/div>\n      <div class=\"factor\"><div class=\"factor-n\">3<\/div><h4>Interior finishes<\/h4><p>Flooring, windows, ironwork, kitchen, and bathrooms. Premium finishes are valued independently.<\/p><\/div>\n      <div class=\"factor\"><div class=\"factor-n\">4<\/div><h4>Facilities<\/h4><p>Condition of electrical, hydraulic, sanitary and gas systems. An outdated installation can significantly reduce value.<\/p><\/div>\n      <div class=\"factor\"><div class=\"factor-n\">5<\/div><h4>Legal documentation<\/h4><p>Valid title, current property taxes, and no liens. Properties without title deeds may be rejected by banks.<\/p><\/div>\n      <div class=\"factor\"><div class=\"factor-n\">6<\/div><h4>Access and exterior<\/h4><p>Garage, garden, and road access. In metropolitan areas, a private parking space adds up to 8-12% to the final price.<\/p><\/div>\n      <div class=\"factor\"><div class=\"factor-n\">7<\/div><h4>habitability<\/h4><p>Distribution, ventilation, and natural lighting. Good solar orientation is a plus in this factor.<\/p><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 ENFOQUES \u2550\u2550 -->\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Methodology<\/span>\n      <h2>How to value a house?<\/h2>\n      <p>There are three internationally recognized approaches to valuing a house. We apply all three and reconcile the results to obtain a value that can be defended before any banking, tax, or judicial authority.<\/p>\n    <\/div>\n    <div class=\"grid-3\">\n      <div class=\"norma-card\"><span class=\"norma-code\">Approach 1<\/span><h3>Specific costs<\/h3><p>How much would it cost to reproduce the house today, less deductions for depreciation and obsolescence? Ideal when there are no comparable properties in the area.<\/p><\/div>\n      <div class=\"norma-card\"><span class=\"norma-code\">Approach 2<\/span><h3>Comparative market<\/h3><p>Recent sales of similar homes in the same neighborhood carry more weight for sales because they reflect current market prices.<\/p><\/div>\n      <div class=\"norma-card\"><span class=\"norma-code\">Approach 3<\/span><h3>Fair valuation of rents<\/h3><p>Projected income stream at net present value. Essential for investment properties, vacation rentals, or mixed commercial use.<\/p><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 DOCUMENTOS \u2550\u2550 -->\n<section class=\"sec sec-alt\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Documentation<\/span>\n      <h2>What do I need to request a home appraisal at ANEPSA?<\/h2>\n      <p>The required documents vary depending on the purpose. Review the list for your case to be prepared.<\/p>\n    <\/div>\n    <div class=\"docs-grid\">\n      <div class=\"doc-card\">\n        <h3>Commercial Appraisals<br><small style=\"font-weight:400;color:#6c7a89;font-size:.85rem\">(buying, selling, investment, insurance)<\/small><\/h3>\n        <ul>\n          <li>Public deed or title deed<\/li>\n          <li>Last property tax receipt paid<\/li>\n          <li>Recent water bill<\/li>\n          <li>Official ID (INE) or passport<\/li>\n          <li>Architectural plans (if available)<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"doc-card\">\n        <h3>Cadastral\/Fiscal Appraisal<br><small style=\"font-weight:400;color:#6c7a89;font-size:.85rem\">(SAT, property tax, deed registration)<\/small><\/h3>\n        <ul>\n          <li>Deed registered in the RPP<\/li>\n          <li>Current cadastral certificate<\/li>\n          <li>Last 3 property tax receipts<\/li>\n          <li>Official identification of the owner<\/li>\n          <li>Land use certificate (if applicable)<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"doc-card\">\n        <h3>Appraisal for Loan<br><small style=\"font-weight:400;color:#6c7a89;font-size:.85rem\">(INFONAVIT, FOVISSSTE, banks)<\/small><\/h3>\n        <ul>\n          <li>Public deed or title deed<\/li>\n          <li>Property tax paid up to date (max. 6 months)<\/li>\n          <li>INFONAVIT\/FOVISSSTE loan number<\/li>\n          <li>Official identification of the applicant<\/li>\n          <li>Owner&#039;s RFC<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n    <p style=\"font-size:.84rem;color:#6c7a89;margin-top:14px;text-align:center;\">Are you missing any documents? We&#039;ll guide you on how to obtain them. <a href=\"#hbspt-form-5ad8be4f-1e4a-472f-a53b-cd7190c9c17e\" style=\"color:#1d3b5e;font-weight:700;\">Contact us before gathering documents.<\/a><\/p>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 TIPOS DE CASA \u2550\u2550 -->\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Catalog<\/span>\n      <h2>What types of houses can be appraised?<\/h2>\n      <p>From standard residential homes to luxury, historic or rural properties.<\/p>\n    <\/div>\n    <div class=\"filter-bar\">\n      <button class=\"filter-btn active\" data-filter=\"all\">All<\/button>\n      <button class=\"filter-btn\" data-filter=\"urb\">Urban<\/button>\n      <button class=\"filter-btn\" data-filter=\"lux\">Premium \/ Luxury<\/button>\n      <button class=\"filter-btn\" data-filter=\"esp\">Special<\/button>\n    <\/div>\n    <div class=\"casas-grid\">\n      <div class=\"casa-card\" data-cat=\"urb\"><div class=\"casa-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" width=\"22\" height=\"22\"><path d=\"M3 12l9-9 9 9M5 10v10h14V10\"\/><\/svg><\/div><h4>House<\/h4><\/div>\n      <div class=\"casa-card\" data-cat=\"urb\"><div class=\"casa-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" width=\"22\" height=\"22\"><path d=\"M2 12l5-5 5 5v8H2zM12 12l5-5 5 5v8H12z\"\/><\/svg><\/div><h4>Duplex house<\/h4><\/div>\n      <div class=\"casa-card\" data-cat=\"urb\"><div class=\"casa-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" width=\"22\" height=\"22\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"1\"\/><path d=\"M3 11h18M9 3v18\"\/><\/svg><\/div><h4>Townhouse<\/h4><\/div>\n      <div class=\"casa-card\" data-cat=\"urb\"><div class=\"casa-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" width=\"22\" height=\"22\"><rect x=\"4\" y=\"3\" width=\"16\" height=\"18\" rx=\"1\"\/><path d=\"M10 21v-4h4v4\"\/><\/svg><\/div><h4>Horizontal condominium<\/h4><\/div>\n      <div class=\"casa-card\" data-cat=\"urb\"><div class=\"casa-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" width=\"22\" height=\"22\"><path d=\"M3 21V10l9-7 9 7v11M9 21v-6h6v6\"\/><\/svg><\/div><h4>Loft \/ Studio<\/h4><\/div>\n      <div class=\"casa-card\" data-cat=\"lux\"><div class=\"casa-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" width=\"22\" height=\"22\"><path d=\"M2 21h20M3 21V10l9-7 9 7v11M9 21V14h6v7\"\/><\/svg><\/div><h4>Luxury residence<\/h4><\/div>\n      <div class=\"casa-card\" data-cat=\"lux\"><div class=\"casa-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" width=\"22\" height=\"22\"><path d=\"M3 21V12l9-7 9 7v9M8 21v-7h8v7\"\/><\/svg><\/div><h4>Penthouse \/ Attic<\/h4><\/div>\n      <div class=\"casa-card\" data-cat=\"lux\"><div class=\"casa-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" width=\"22\" height=\"22\"><path d=\"M12 2L4 14h4l-3 6h14l-3-6h4z\"\/><\/svg><\/div><h4>Cottage<\/h4><\/div>\n      <div class=\"casa-card\" data-cat=\"esp\"><div class=\"casa-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" width=\"22\" height=\"22\"><path d=\"M12 2L2 22h20zM9 22v-6h6v6\"\/><\/svg><\/div><h4>Cabin<\/h4><\/div>\n      <div class=\"casa-card\" data-cat=\"esp\"><div class=\"casa-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" width=\"22\" height=\"22\"><path d=\"M3 11l9-8 9 8v10H3zM9 21v-6h6v6\"\/><\/svg><\/div><h4>Historic house<\/h4><\/div>\n      <div class=\"casa-card\" data-cat=\"esp\"><div class=\"casa-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" width=\"22\" height=\"22\"><circle cx=\"6\" cy=\"6\" r=\"2\"\/><path d=\"M2 21l7-9 4 5 3-3 6 7z\"\/><\/svg><\/div><h4>Country house \/ estate<\/h4><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 PROCESO \u2550\u2550 -->\n<section class=\"sec sec-alt\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">How we work<\/span>\n      <h2>What is the process of a home appraisal?<\/h2>\n      <p>No surprises or hidden costs. Click on each step to see the details.<\/p>\n    <\/div>\n    <div class=\"timeline\" id=\"ac-tl\">\n      <div class=\"tl-item open\"><div class=\"tl-num\" style=\"background:#1d3b5e;color:#fff;\">1<\/div><div class=\"tl-body\"><h4>Application and purpose<\/h4><p>Tell us what you need the appraisal for. You&#039;ll receive a formal, no-obligation quote in less than 4 business hours.<\/p><\/div><\/div>\n      <div class=\"tl-item\"><div class=\"tl-num\" style=\"background:#eaf2fa;color:#1d3b5e;\">2<\/div><div class=\"tl-body\"><h4>Document review<\/h4><p>We accept deeds, plans, and property tax documents. If any document is missing, we can guide you on how to obtain it.<\/p><\/div><\/div>\n      <div class=\"tl-item\"><div class=\"tl-num\" style=\"background:#eaf2fa;color:#1d3b5e;\">3<\/div><div class=\"tl-body\"><h4>Physical inspection<\/h4><p>The expert visits the house, takes measurements, photographs, and verifies the installations, finishes, and surroundings. Schedule at a time that suits you.<\/p><\/div><\/div>\n      <div class=\"tl-item\"><div class=\"tl-num\" style=\"background:#eaf2fa;color:#1d3b5e;\">4<\/div><div class=\"tl-body\"><h4>Analysis and calculation<\/h4><p>We applied the three approaches and reconciled the value using databases from INEGI, SHF and state public records.<\/p><\/div><\/div>\n      <div class=\"tl-item\"><div class=\"tl-num\" style=\"background:#eaf2fa;color:#1d3b5e;\">5<\/div><div class=\"tl-body\"><h4>Delivery of the report<\/h4><p>You receive the appraisal signed with a valid SEP certificate, ready for the bank, notary, court, or SAT. Digital and physical copies are available within 5 business days.<\/p><\/div><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 CU\u00c1NTO TARDA \u2550\u2550 -->\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Delivery times<\/span>\n      <h2>How long does a home appraisal take?<\/h2>\n      <p>A house appraisal takes between <strong>3 and 7 business days<\/strong> from the physical inspection. In express mode, the timeframe is 48 hours. The exact time depends on the type of appraisal and the complexity of the property.<\/p>\n    <\/div>\n    <div class=\"grid-3\">\n      <div class=\"norma-card\" style=\"text-align:center;\">\n        <div style=\"font-size:2.2rem;font-weight:900;color:#1d3b5e;margin-bottom:8px;\">3<\/div>\n        <h3 style=\"margin-bottom:8px;\">business days<\/h3>\n        <p>Standard commercial appraisal for private sales.<\/p>\n      <\/div>\n      <div class=\"norma-card\" style=\"text-align:center;border-top-color:#1d3b5e;\">\n        <div style=\"font-size:2.2rem;font-weight:900;color:#1d3b5e;margin-bottom:8px;\">5<\/div>\n        <h3 style=\"margin-bottom:8px;\">business days<\/h3>\n        <p>Appraisal for mortgage loan INFONAVIT, FOVISSSTE or private bank.<\/p>\n      <\/div>\n      <div class=\"norma-card\" style=\"text-align:center;\">\n        <div style=\"font-size:2.2rem;font-weight:900;color:#5bb8e6;margin-bottom:8px;\">48<\/div>\n        <h3 style=\"margin-bottom:8px;\">hours (Express)<\/h3>\n        <p>Urgent option available for cases requiring immediate ruling.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 CALCULADORA + TABLA \u2550\u2550 -->\n<section class=\"sec\" id=\"ac-calc\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Tool<\/span>\n      <h2>How much does a home appraisal cost?<\/h2>\n      <p>Indicative calculator or price range table per m\u00b2. The final price is confirmed after the property is inspected.<\/p>\n    <\/div>\n    <div class=\"calc-wrap\">\n      <div class=\"calc-grid\">\n        <div><label>Type of house<\/label><select id=\"ac-tipo\"><option value=\"3500\">Standard house<\/option><option value=\"4200\">Duplex house \/ Townhouse<\/option><option value=\"3800\">Loft \/ Studio<\/option><option value=\"6500\">Luxury residence<\/option><option value=\"7500\">Historic\/Heritage House<\/option><option value=\"4800\">Country house \/ estate<\/option><\/select><\/div>\n        <div><label>Construction area<\/label><select id=\"ac-m2\"><option value=\"1\">Up to 150 m\u00b2<\/option><option value=\"1.15\">151 \u2013 250 m\u00b2<\/option><option value=\"1.35\">251 \u2013 400 m\u00b2<\/option><option value=\"1.6\">401 \u2013 600 m\u00b2<\/option><option value=\"1.9\">More than 600 m\u00b2<\/option><\/select><\/div>\n        <div><label>Zone in Mexico<\/label><select id=\"ac-zona\"><option value=\"1.15\">CDMX<\/option><option value=\"1.1\">Metropolitan Area<\/option><option value=\"1.05\">Guadalajara \/ Monterrey<\/option><option value=\"1\">Rest of the country<\/option><option value=\"1.2\">Polanco \/ Lomas \/ Santa Fe<\/option><\/select><\/div>\n      <\/div>\n      <div class=\"calc-res\">\n        <div class=\"calc-val\" id=\"ac-calc-out\">Select above<\/div>\n        <div class=\"calc-note\">Estimated price \u00b7 Subject to confirmation after technical review<\/div>\n      <\/div>\n    <\/div>\n    <div style=\"margin-top:28px;\">\n      <h3 style=\"color:#1d3b5e;margin-bottom:12px;\">Price reference table<\/h3>\n      <div class=\"tabla-wrap\">\n        <table>\n          <thead><tr><th>Property type \/ Area<\/th><th>Estimated cost of the appraisal<\/th><\/tr><\/thead>\n          <tbody>\n            <tr><td>House of 60 to 150 m\u00b2<\/td><td>From $3,400 MXN<\/td><\/tr>\n            <tr><td>Residential house of 151 to 250 m\u00b2<\/td><td>From $3,700 MXN<\/td><\/tr>\n            <tr><td>House of 251 to 350 m\u00b2<\/td><td>From $4,300 MXN<\/td><\/tr>\n            <tr><td>Residential house of 351 to 450 m\u00b2<\/td><td>From $4,800 MXN<\/td><\/tr>\n            <tr><td>Residential house of 451 to 650 m\u00b2<\/td><td>From $6,400 MXN<\/td><\/tr>\n            <tr><td>Residential house of 651 to 750 m\u00b2<\/td><td>From $7,200 MXN<\/td><\/tr>\n            <tr><td>Residential house of 751 to 850 m\u00b2<\/td><td>From $8,400 MXN<\/td><\/tr>\n          <\/tbody>\n        <\/table>\n      <\/div>\n      <p class=\"tabla-disc\">* Reference values. The actual cost varies depending on location, purpose of the appraisal, and property characteristics.<\/p>\n    <\/div>\n    <div class=\"hs-cta-wrap\">\n      <div>\n        <p>Need a home appraisal? Request your quote now<\/p>\n        <span>Response within 4 business hours \u00b7 No cost or obligation<\/span>\n      <\/div>\n      <a href=\"#hbspt-form-5ad8be4f-1e4a-472f-a53b-cd7190c9c17e\" class=\"btn btn-dark\">Request a quote \u2192<\/a>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 E-E-A-T \u2550\u2550 -->\n<section class=\"sec sec-alt\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Why do home appraisals with a certified appraiser?<\/span>\n      <h2>Why do home appraisals with a certified appraiser?<\/h2>\n      <p>Only the opinion of an expert with SEP certification and institutional registration is valid before banks, notaries, courts, and the SAT (Mexican Tax Administration Service). <strong>house appraisers<\/strong> Only certified individuals are authorized to issue this document.<\/p>\n    <\/div>\n    <div class=\"eat-grid\">\n      <div class=\"eat-card\"><div class=\"eat-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke-width=\"1.8\" width=\"26\" height=\"26\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg><\/div><h3>Legal validity guaranteed<\/h3><p>A real estate appraisal from a website has no legal standing. Only an official appraisal with SEP certification and registration with INDAABIN is accepted by banks, notaries, courts, and tax authorities.<\/p><\/div>\n      <div class=\"eat-card\"><div class=\"eat-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke-width=\"1.8\" width=\"26\" height=\"26\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"M12 8v4l3 3\"\/><\/svg><\/div><h3>Accuracy based on real data<\/h3><p>Our experts consult data from INEGI, SHF, and public records. Listing prices are on average 12\u201318% above the actual closing price in Mexico.<\/p><\/div>\n      <!-- CORRECCI\u00d3N: c\u00e9dula con n\u00famero en tarjeta de responsabilidad -->\n      <div class=\"eat-card\"><div class=\"eat-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke-width=\"1.8\" width=\"26\" height=\"26\"><path d=\"M17 21v-2a4 4 0 00-4-4H5a4 4 0 00-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M23 21v-2a4 4 0 00-3-3.87M16 3.13a4 4 0 010 7.75\"\/><\/svg><\/div><h3>Professional responsibility<\/h3><p>The expert signs with their professional license number (e.g., No. 6673186) and is legally responsible. INDAABIN Registration No. 0089. An informal appraisal may result in civil liability for the person who issued it.<\/p><\/div>\n    <\/div>\n    <!-- CORRECCI\u00d3N: badges de registros verificables con n\u00famero -->\n    <div class=\"certs-strip\">\n      <div class=\"cert-badge\">SEP ID No. 6673186<\/div>\n      <div class=\"cert-badge\">SEP ID No. 6249160<\/div>\n      <div class=\"cert-badge\">SEP ID No. 6820894<\/div>\n      <div class=\"cert-badge\">INDAABIN No. 0089<\/div>\n      <div class=\"cert-badge\">Treasury V-0842-382<\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 CASOS REALES \u2550\u2550 -->\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Real cases<\/span>\n      <h2>Home appraisals we have carried out<\/h2>\n      <p>Recent appraisals of residential properties in various states. Each value is backed by a triangulated methodology and the signature of a certified appraiser.<\/p>\n    <\/div>\n    <div class=\"grid-2\" style=\"max-width:860px;margin:0 auto;\">\n      <div style=\"background:#fff;border:1.5px solid var(--borde);border-radius:var(--radio);padding:28px;box-shadow:0 4px 20px rgba(29,59,94,.06);\">\n        <div style=\"display:flex;align-items:center;gap:12px;margin-bottom:18px;\">\n          <div style=\"width:40px;height:40px;background:var(--cielo-lt);border-radius:9px;display:flex;align-items:center;justify-content:center;flex-shrink:0;\">\n            <svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#1d3b5e\" stroke-width=\"1.6\" width=\"20\" height=\"20\"><path d=\"M3 12l9-9 9 9M5 10v10h14V10\"\/><\/svg>\n          <\/div>\n          <div>\n            <span style=\"display:block;font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--cielo-med);\">House<\/span>\n            <span style=\"display:block;font-size:.92rem;font-weight:700;color:var(--azul);\">Tamu\u00edn, San Luis Potos\u00ed<\/span>\n          <\/div>\n        <\/div>\n        <div style=\"display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px;\">\n          <div style=\"background:var(--gris-lt);border-radius:8px;padding:12px 14px;\">\n            <span style=\"display:block;font-size:.75rem;color:var(--gris);margin-bottom:3px;\">Land<\/span>\n            <span style=\"display:block;font-size:1.1rem;font-weight:800;color:var(--azul);\">684.90 m\u00b2<\/span>\n          <\/div>\n          <div style=\"background:var(--gris-lt);border-radius:8px;padding:12px 14px;\">\n            <span style=\"display:block;font-size:.75rem;color:var(--gris);margin-bottom:3px;\">Construction<\/span>\n            <span style=\"display:block;font-size:1.1rem;font-weight:800;color:var(--azul);\">85.50 m\u00b2<\/span>\n          <\/div>\n        <\/div>\n        <p style=\"font-size:.82rem;color:var(--gris);margin-bottom:14px;\">Market value estimation \u00b7 Physical method<\/p>\n        <div style=\"border-top:1px solid var(--borde);padding-top:14px;\">\n          <span style=\"display:block;font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gris);margin-bottom:4px;\">Determined Value<\/span>\n          <span style=\"display:block;font-size:1.6rem;font-weight:900;color:var(--azul);\">$1,644,000 <small style=\"font-size:.9rem;font-weight:600;\">MN.<\/small><\/span>\n        <\/div>\n      <\/div>\n      <div style=\"background:#fff;border:1.5px solid var(--borde);border-radius:var(--radio);padding:28px;box-shadow:0 4px 20px rgba(29,59,94,.06);\">\n        <div style=\"display:flex;align-items:center;gap:12px;margin-bottom:18px;\">\n          <div style=\"width:40px;height:40px;background:var(--cielo-lt);border-radius:9px;display:flex;align-items:center;justify-content:center;flex-shrink:0;\">\n            <svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#1d3b5e\" stroke-width=\"1.6\" width=\"20\" height=\"20\"><path d=\"M3 12l9-9 9 9M5 10v10h14V10\"\/><\/svg>\n          <\/div>\n          <div>\n            <span style=\"display:block;font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--cielo-med);\">Single Family Home<\/span>\n            <span style=\"display:block;font-size:.92rem;font-weight:700;color:var(--azul);\">El Colli, Zapopan, Jalisco<\/span>\n          <\/div>\n        <\/div>\n        <div style=\"display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px;\">\n          <div style=\"background:var(--gris-lt);border-radius:8px;padding:12px 14px;\">\n            <span style=\"display:block;font-size:.75rem;color:var(--gris);margin-bottom:3px;\">Land<\/span>\n            <span style=\"display:block;font-size:1.1rem;font-weight:800;color:var(--azul);\">692.00 m\u00b2<\/span>\n          <\/div>\n          <div style=\"background:var(--gris-lt);border-radius:8px;padding:12px 14px;\">\n            <span style=\"display:block;font-size:.75rem;color:var(--gris);margin-bottom:3px;\">Construction<\/span>\n            <span style=\"display:block;font-size:1.1rem;font-weight:800;color:var(--azul);\">587.50 m\u00b2<\/span>\n          <\/div>\n        <\/div>\n        <p style=\"font-size:.82rem;color:var(--gris);margin-bottom:14px;\">Buy \u00b7 Sell<\/p>\n        <div style=\"border-top:1px solid var(--borde);padding-top:14px;\">\n          <span style=\"display:block;font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gris);margin-bottom:4px;\">Determined Value<\/span>\n          <span style=\"display:block;font-size:1.6rem;font-weight:900;color:var(--azul);\">$19,453,000 <small style=\"font-size:.9rem;font-weight:600;\">MN.<\/small><\/span>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 BASE LEGAL \u2550\u2550 -->\n<section class=\"sec sec-alt\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Legal basis<\/span>\n      <h2>Who can perform house appraisals in Mexico?<\/h2>\n      <p>According to Article 3 of the RCFF, only these institutions and persons are authorized to issue tax-valid appraisals.<\/p>\n    <\/div>\n    <div class=\"legal-box\">\n      <div class=\"legal-intro\">Based on the <strong>Article 3 of the Regulations of the Federal Tax Code (RCFF)<\/strong>, The only institutions authorized to perform tax-valid appraisals in Mexico are:<\/div>\n      <div class=\"auth-grid\">\n        <div class=\"auth-item\"><div class=\"auth-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" width=\"14\" height=\"14\"><path d=\"M3 21h18M3 7v1a3 3 0 006 0V7m0 1a3 3 0 006 0V7m0 1a3 3 0 006 0V7H3l2-4h14l2 4\"\/><path d=\"M5 21V10.85M19 21V10.85\"\/><\/svg><\/div><div><strong>INDAABIN<\/strong><span>Institute of Administration and Appraisal of National Assets \u2014 the highest federal valuation authority.<\/span><\/div><\/div>\n        <div class=\"auth-item\"><div class=\"auth-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" width=\"14\" height=\"14\"><rect x=\"2\" y=\"7\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M16 21V5a2 2 0 00-2-2h-4a2 2 0 00-2 2v16\"\/><\/svg><\/div><div><strong>credit institutions<\/strong><span>Banks authorized by the CNBV with registered appraisal departments.<\/span><\/div><\/div>\n        <div class=\"auth-item\"><div class=\"auth-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" width=\"14\" height=\"14\"><path d=\"M14 2H6a2 2 0 00-2 2v16a2 2 0 002 2h12a2 2 0 002-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><\/svg><\/div><div><strong>Public corridors<\/strong><span>With current registration with the Ministry of Economy for commercial appraisals.<\/span><\/div><\/div>\n        <div class=\"auth-item\"><div class=\"auth-ico\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" width=\"14\" height=\"14\"><path d=\"M17 21v-2a4 4 0 00-4-4H5a4 4 0 00-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><\/svg><\/div><div><strong>Professional appraisers<\/strong><span>With SEP certificate and registration with the institution that corresponds to the purpose of the appraisal.<\/span><\/div><\/div>\n      <\/div>\n      <!-- CORRECCI\u00d3N: c\u00e9dulas con n\u00famero en legal-nota -->\n      <p class=\"legal-nota\"><strong>Anepsa meets all the requirements:<\/strong> Experts with SEP certificate No. 6673186 (real estate), No. 6249160 (machinery and equipment) and No. 6820894 (companies), registered with INDAABIN No. 0089, SAT, INFONAVIT, FOVISSSTE and SHF. Federal Treasury Registration V-0842-382 \u2014 federal scope valid throughout the Republic.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 NORMAS Y EST\u00c1NDARES \u2550\u2550 -->\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Regulatory framework<\/span>\n      <h2>What rules govern the appraisal of a house in Mexico?<\/h2>\n      <p>For residential homes, the regulations depend on the <strong>purpose of the appraisal<\/strong>. The most common one is the one that regulates mortgage loans, since most home appraisals are done for INFONAVIT, FOVISSSTE or private banks.<\/p>\n    <\/div>\n    <div style=\"background:#1d3b5e;border-radius:12px;padding:28px 32px;margin-bottom:24px;display:grid;grid-template-columns:auto 1fr;gap:24px;align-items:center;\">\n      <div style=\"background:rgba(91,184,230,.2);border:2px solid #5bb8e6;border-radius:10px;padding:14px 20px;text-align:center;min-width:140px;\">\n        <span style=\"display:block;font-size:.7rem;font-weight:700;color:#7dd0f7;text-transform:uppercase;letter-spacing:.06em;margin-bottom:4px;\">Main standard<\/span>\n        <span style=\"display:block;font-size:.95rem;font-weight:800;color:#fff;\">SHF Rules<\/span>\n      <\/div>\n      <div>\n        <h3 style=\"color:#7dd0f7!important;margin-bottom:8px;\">Federal Mortgage Society \u2014 the standard that most applies to your home<\/h3>\n        <p style=\"color:rgba(255,255,255,.85)!important;font-size:.9rem;line-height:1.65;\">When a home appraisal is for the purpose of obtaining a mortgage loan \u2014 INFONAVIT, FOVISSSTE, Cofinavit or private bank \u2014 the methodology that governs is that established by the <strong style=\"color:#7dd0f7;\">Federal Mortgage Company (SHF)<\/strong>. The appraiser must be on the active SHF register of appraisers for the bank or institute to accept the report.<\/p>\n      <\/div>\n    <\/div>\n    <div class=\"normas-grid\" style=\"grid-template-columns:repeat(3,1fr);margin-bottom:24px;\">\n      <div class=\"norma-card\">\n        <span class=\"norma-code\">NMX-R-081-SCFI-2015<\/span>\n        <h3>Purchase and sale and private guarantees<\/h3>\n        <p>When the appraisal is not for institutional credit but for a sale between individuals, investment or private guarantee, this Mexican standard published in the <strong>Official Gazette of the Federation (DOF) on April 19, 2016<\/strong>. It is the basic methodological framework for commercial housing appraisals.<\/p>\n      <\/div>\n      <div class=\"norma-card\">\n        <span class=\"norma-code\">RCFF Art. 3<\/span>\n        <h3>Deed registration and tax effects<\/h3>\n        <p>When the appraisal is used to calculate the <strong>ISAI before a notary<\/strong>, To determine the taxable base for property tax or to file it with the SAT (Mexican Tax Administration Service), Article 3 of the Regulations of the Federal Tax Code applies. The ruling is valid for one year.<\/p>\n      <\/div>\n      <div class=\"norma-card\">\n        <span class=\"norma-code\">NOM-247-SE-2021<\/span>\n        <h3>Public sales contracts<\/h3>\n        <p>It regulates commercial information and sales contracts of <strong>dwelling intended for residential use<\/strong>. It requires that the cost of the appraisal be disclosed transparently and not hidden within the price. Effective since September 18, 2022.<\/p>\n      <\/div>\n    <\/div>\n    <h3 style=\"color:#1d3b5e;font-size:1rem;margin-bottom:14px;font-weight:700;\">Which rule applies depending on why you need the appraisal of your house?<\/h3>\n    <div class=\"tabla-wrap\" style=\"margin-bottom:16px;\">\n      <table>\n        <thead><tr><th style=\"width:48%\">Why do you need the appraisal?<\/th><th>Rule that governs<\/th><\/tr><\/thead>\n        <tbody>\n          <tr><td style=\"font-weight:700;color:#1d3b5e;\">INFONAVIT loan \u00b7 FOVISSSTE loan \u00b7 Cofinavit loan \u00b7 bank loan<\/td><td><span class=\"pill\">SHF Rules<\/span><\/td><\/tr>\n          <tr><td style=\"font-weight:700;color:#1d3b5e;\">Buying and selling between individuals \u00b7 investment<\/td><td><span class=\"pill\">NMX-R-081-SCFI-2015<\/span><\/td><\/tr>\n          <tr><td style=\"font-weight:700;color:#1d3b5e;\">Notarization of deeds \u00b7 ISAI calculation \u00b7 property tax<\/td><td><span class=\"pill\">RCFF Art. 3 + state legislation<\/span><\/td><\/tr>\n          <tr><td style=\"font-weight:700;color:#1d3b5e;\">Inheritance \u00b7 divorce \u00b7 family court<\/td><td><span class=\"pill\">Procedural code + authorized expert<\/span><\/td><\/tr>\n          <tr><td style=\"font-weight:700;color:#1d3b5e;\">Home insurance \u00b7 replacement value<\/td><td><span class=\"pill\">NMX-R-081 + AMIS criteria<\/span><\/td><\/tr>\n          <tr><td style=\"font-weight:700;color:#1d3b5e;\">Public sales contract \u00b7 advertising<\/td><td><span class=\"pill\">NOM-247-SE-2021<\/span><\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <p class=\"nota-box\"><strong>Important:<\/strong> Each Anepsa report specifies the applicable standard and its intended purpose. If you submit a commercial appraisal to INFONAVIT without following the SHF Rules, it will be rejected, even if the appraiser has a SEP certification.<\/p>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 5 PUNTOS PARA ELEGIR VALUADOR \u2550\u2550 -->\n<section class=\"sec sec-alt\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Practical guide<\/span>\n      <h2>How much does a home appraiser charge and how do you choose one?<\/h2>\n      <p>What is a home appraiser? It&#039;s a certified professional with a SEP (Mexican Ministry of Education) license who determines the value of your property. <strong>cost of a home appraiser<\/strong> It varies depending on the type of appraisal and the size of the property \u2014 at Anepsa it starts from <strong>$3,400 MXN<\/strong>. Check these five points before hiring to ensure the real validity of your appraisal.<\/p>\n    <\/div>\n    <div class=\"recom-list\">\n      <div class=\"recom-item\"><div class=\"recom-n\">1<\/div><div><h4>Verify the ID card at the SEP<\/h4><p>Consult cedulaprofesional.sep.gob.mx. If the appraiser does not display their professional license number, it&#039;s a red flag. Anepsa: License No. 6673186 (real estate), verifiable online.<\/p><\/div><\/div>\n      <div class=\"recom-item\"><div class=\"recom-n\">2<\/div><div><h4>Confirm your registration with the institution<\/h4><p>For INFONAVIT, the expert must be on the active registry. An expert with a SEP certificate but without specific registration will result in the report being rejected.<\/p><\/div><\/div>\n      <div class=\"recom-item\"><div class=\"recom-n\">3<\/div><div><h4>Requires in-person physical inspection<\/h4><p>Without an on-site visit, the appraisal has no technical or legal validity. The appraiser must personally measure, verify, and photograph the property.<\/p><\/div><\/div>\n      <div class=\"recom-item\"><div class=\"recom-n\">4<\/div><div><h4>Request a template of the final report<\/h4><p>It must include photographs, comparative analysis, three perspectives, and a signature with professional identification number. A single page does not constitute a professional appraisal.<\/p><\/div><\/div>\n      <div class=\"recom-item\"><div class=\"recom-n\">5<\/div><div><h4>Be wary of extremely low prices<\/h4><p>A low market price for a 50% usually indicates an opinion that is either unregistered or of low technical quality.<\/p><\/div><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 FAQ \u2550\u2550 -->\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Frequently Asked Questions<\/span>\n      <h2>Questions we receive every day<\/h2>\n    <\/div>\n    <div class=\"faq-list\">\n      <div class=\"faq-item\"><div class=\"faq-q\">How long does a home appraisal take?<span class=\"faq-ico\">+<\/span><\/div><div class=\"faq-a\">Between <strong>3 and 7 business days<\/strong> from the physical inspection. For urgent cases we offer a modality <strong>Express delivery in 48 hours<\/strong>.<\/div><\/div>\n      <div class=\"faq-item\"><div class=\"faq-q\">What documents do I need for my home appraisal?<span class=\"faq-ico\">+<\/span><\/div><div class=\"faq-a\"><strong>Public deed or title deed<\/strong>, Last property tax payment receipt, water bill, and official owner&#039;s ID. If anything is missing, we&#039;ll guide you.<\/div><\/div>\n      <div class=\"faq-item\"><div class=\"faq-q\">Will my appraisal be accepted by banks and authorities?<span class=\"faq-ico\">+<\/span><\/div><div class=\"faq-a\">Yes. Experts registered with <strong>INDAABIN (No. 0089), SAT, IMSS, INFONAVIT, FOVISSSTE and SHF<\/strong>. Professional license SEP No. 6673186. We comply with federal, state regulations and international standards.<\/div><\/div>\n      <div class=\"faq-item\"><div class=\"faq-q\">In which Mexican states does Anepsa operate?<span class=\"faq-ico\">+<\/span><\/div><div class=\"faq-a\">National coverage in the <strong>32 federal entities<\/strong>. 4 own branches: Mexico City, Guadalajara, Monterrey and State of Mexico.<\/div><\/div>\n      <div class=\"faq-item\"><div class=\"faq-q\">How much does a house appraisal cost?<span class=\"faq-ico\">+<\/span><\/div><div class=\"faq-a\">The cost starts at <strong>$3,400 MXN<\/strong> For houses from 60 to 150 m\u00b2. The final price depends on the surface area, location and type of appraisal required.<\/div><\/div>\n      <div class=\"faq-item\"><div class=\"faq-q\">How long is the house appraisal valid?<span class=\"faq-ico\">+<\/span><\/div><div class=\"faq-a\">Generally <strong>6 to 12 months<\/strong>. INFONAVIT and some authorities require a shorter validity period, which we confirmed at the beginning.<\/div><\/div>\n      <div class=\"faq-item\"><div class=\"faq-q\">Can I request an appraisal if the house is not in my name?<span class=\"faq-ico\">+<\/span><\/div><div class=\"faq-a\">Yes, we can do that, but the title will be registered in the owner&#039;s name. We&#039;ll advise you on how to comply with the legal documentation.<\/div><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 D\u00d3NDE CONSEGUIR \u2550\u2550 -->\n<section class=\"sec sec-alt\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Where to go?<\/span>\n      <h2>Where can I get a house appraisal?<\/h2>\n      <p>According to Article 3 of the RCFF, only these options issue appraisals with legal validity in Mexico.<\/p>\n    <\/div>\n    <div class=\"factores-grid\">\n      <div class=\"factor\"><div class=\"factor-n\">1<\/div><h4>Certified appraisers<\/h4><p>With a professional SEP license and registration with the institution corresponding to the purpose of the appraisal. This is the most common option for private homes.<\/p><\/div>\n      <div class=\"factor\"><div class=\"factor-n\">2<\/div><h4>credit institutions<\/h4><p>Banks authorized by the CNBV with registered appraisal departments. Generally only for their own mortgage clients.<\/p><\/div>\n      <div class=\"factor\"><div class=\"factor-n\">3<\/div><h4>Public corridors<\/h4><p>Currently registered with the Ministry of Economy. Primarily for commercial appraisals and commercial transactions.<\/p><\/div>\n    <\/div>\n    <div class=\"highlight\" style=\"margin-top:24px;\">\n      <strong>Unofficial alternatives:<\/strong> Property valuation software and real estate portals do not issue legally valid appraisals. They are useful as a market reference, but are not accepted by banks, notaries, or the Mexican Tax Administration Service (SAT).\n    <\/div>\n  <\/div>\n<\/section>\n<!-- CTA HubSpot #2 -->\n<section class=\"sec\" style=\"padding:40px 0;\">\n  <div class=\"wrap\">\n    <div class=\"hs-cta-wrap\" style=\"margin:0;\">\n      <div>\n        <p>Ready to request your home appraisal with certified experts?<\/p>\n        <span>Quote in less than 4 hours \u00b7 Coverage in all 32 states \u00b7 Accepted by banks<\/span>\n      <\/div>\n      <a href=\"#hbspt-form-5ad8be4f-1e4a-472f-a53b-cd7190c9c17e\" class=\"btn btn-dark\">Get a quote for my appraisal \u2192<\/a>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 RELACIONADOS \u2550\u2550 -->\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <div class=\"sec-head\">\n      <span class=\"tag\">Related resources<\/span>\n      <h2>You may also like<\/h2>\n    <\/div>\n    <div class=\"related-grid\">\n      <a href=\"https:\/\/anepsa.com.mx\/en\/real-estate-appraisals\/\" class=\"related-card\"><span class=\"rel-tag\">Service<\/span><h4>Real Estate Appraisals in Mexico<\/h4><p>All types of appraisals: houses, land, premises, industrial warehouses and buildings throughout the Republic.<\/p><span class=\"rel-arrow\">View service \u2192<\/span><\/a>\n      <a href=\"https:\/\/anepsa.com.mx\/en\/what-is-a-real-estate-appraisal\/\" class=\"related-card\"><span class=\"rel-tag\">Article<\/span><h4>What is a real estate appraisal?<\/h4><p>Complete guide to the process: types, methodology, regulations and differences according to the purpose of the opinion.<\/p><span class=\"rel-arrow\">Read article \u2192<\/span><\/a>\n      <a href=\"https:\/\/anepsa.com.mx\/en\/expert-appraiser\/\" class=\"related-card\"><span class=\"rel-tag\">Article<\/span><h4>What is an appraiser?<\/h4><p>Requirements, SEP certificate, institutional registrations and responsibilities of the appraiser in Mexico.<\/p><span class=\"rel-arrow\">Read article \u2192<\/span><\/a>\n    <\/div>\n  <\/div>\n<\/section>\n<!-- \u2550\u2550 CTA FINAL \u2550\u2550 -->\n<section class=\"cta-sec\" id=\"ac-contacto\">\n  <div class=\"wrap\">\n    <h2>Request your home appraisal today<\/h2>\n    <p>Formal quote in less than 4 business hours. No obligation or hidden costs. Certified expert serving all of Mexico.<\/p>\n    <div class=\"cta-btns\">\n      <!-- CORRECCI\u00d3N: tel: con formato +52 -->\n      <a href=\"tel:+528002690024\" class=\"btn btn-p\">800 269 0024<\/a>\n      <a href=\"https:\/\/anepsa.com.mx\/en\/real-estate-appraisals\/\" class=\"btn btn-o\">View all appraisals<\/a>\n    <\/div>\n  <\/div>\n<\/section>\n<\/div><!-- \/ac-page -->\n\n<script>\n(function(){\n'use strict';\n\/\/ CORRECCI\u00d3N: Tabs con ARIA (aria-selected actualizado en click)\ndocument.querySelectorAll('#ac-tabs .tab-btn').forEach(function(btn){\n  btn.addEventListener('click', function(){\n    document.querySelectorAll('#ac-tabs .tab-btn').forEach(function(b){\n      b.classList.remove('active');\n      b.setAttribute('aria-selected','false');\n    });\n    document.querySelectorAll('#ac-tabs .tab-panel').forEach(function(p){p.classList.remove('active')});\n    btn.classList.add('active');\n    btn.setAttribute('aria-selected','true');\n    var panel = document.getElementById(btn.dataset.tab);\n    if(panel) panel.classList.add('active');\n  });\n});\n\/\/ Filtros casa\ndocument.querySelectorAll('.filter-btn').forEach(function(btn){\n  btn.addEventListener('click', function(){\n    document.querySelectorAll('.filter-btn').forEach(function(b){b.classList.remove('active')});\n    btn.classList.add('active');\n    var f = btn.dataset.filter;\n    document.querySelectorAll('.casa-card').forEach(function(c){\n      if(f==='all'||c.dataset.cat===f) c.classList.remove('hidden');\n      else c.classList.add('hidden');\n    });\n  });\n});\n\/\/ Timeline\ndocument.querySelectorAll('#ac-tl .tl-item').forEach(function(item){\n  item.addEventListener('click', function(){\n    item.classList.toggle('open');\n    var num = item.querySelector('.tl-num');\n    if(item.classList.contains('open')){\n      num.style.background='#1d3b5e';num.style.color='#fff';\n    } else {\n      num.style.background='#eaf2fa';num.style.color='#1d3b5e';\n    }\n  });\n});\n\/\/ FAQ\ndocument.querySelectorAll('.faq-q').forEach(function(q){\n  q.addEventListener('click', function(){q.parentElement.classList.toggle('open')});\n});\n\/\/ Calculadora\nfunction calcP(){\n  var t=parseFloat(document.getElementById('ac-tipo').value);\n  var m=parseFloat(document.getElementById('ac-m2').value);\n  var z=parseFloat(document.getElementById('ac-zona').value);\n  var b=t*m*z;\n  var mn=Math.round(b*.92\/100)*100;\n  var mx=Math.round(b*1.18\/100)*100;\n  document.getElementById('ac-calc-out').textContent='Desde ~\u202f$'+mn.toLocaleString('es-MX')+' a $'+mx.toLocaleString('es-MX')+' MXN';\n}\n['ac-tipo','ac-m2','ac-zona'].forEach(function(id){\n  document.getElementById(id).addEventListener('change',calcP);\n});\ncalcP();\n\/\/ Counters\nfunction animCount(el,target){\n  var start=null,dur=1600;\n  function step(ts){\n    if(!start) start=ts;\n    var p=Math.min((ts-start)\/dur,1);\n    var e=1-Math.pow(1-p,4);\n    el.textContent=Math.floor(e*target).toLocaleString('es-MX')+(target>=1000?'+':'');\n    if(p<1) requestAnimationFrame(step);\n    else el.textContent=target.toLocaleString('es-MX')+(target>=1000?'+':'');\n  }\n  requestAnimationFrame(step);\n}\nvar obs=new IntersectionObserver(function(entries){\n  entries.forEach(function(e){\n    if(e.isIntersecting){\n      e.target.querySelectorAll('.stat-num').forEach(function(n){animCount(n,parseInt(n.dataset.target,10))});\n      obs.unobserve(e.target);\n    }\n  });\n},{threshold:.3});\ndocument.querySelectorAll('.stats-grid').forEach(function(s){obs.observe(s)});\n})();\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Updated: June 2026. Home Appraisal with legal validity throughout Mexico. A home appraisal is a technical report signed by a certified appraiser with SEP (Mexican Ministry of Education) credentials that determines the true value of your property. Certified by SEP, INDAABIN (National Institute of Assets Administration), and SAT (Mexican Tax Administration Service). Accepted by INFONAVIT (National Workers&#039; Housing Fund Institute), FOVISSSTE (Housing Fund for State Workers), and major Mexican banks. Request your appraisal [\u2026]<\/p>","protected":false},"author":16,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"content-type":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-14605","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/anepsa.com.mx\/en\/wp-json\/wp\/v2\/pages\/14605","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anepsa.com.mx\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/anepsa.com.mx\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/anepsa.com.mx\/en\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/anepsa.com.mx\/en\/wp-json\/wp\/v2\/comments?post=14605"}],"version-history":[{"count":20,"href":"https:\/\/anepsa.com.mx\/en\/wp-json\/wp\/v2\/pages\/14605\/revisions"}],"predecessor-version":[{"id":14819,"href":"https:\/\/anepsa.com.mx\/en\/wp-json\/wp\/v2\/pages\/14605\/revisions\/14819"}],"wp:attachment":[{"href":"https:\/\/anepsa.com.mx\/en\/wp-json\/wp\/v2\/media?parent=14605"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}