Illinois Real Estate Exam Practice Question

An appraisal made by a certified appraiser is required

Correct Answer: C

Rationale: An appraisal by a certified appraiser is essential when a buyer uses an FHA loan to ensure the property meets minimum standards and is valued appropriately for the loan amount.

Option A is incorrect; while appraisals are common in property transfers, they are not universally required. Option B is misleading; heirs may not need an appraisal unless the property is sold or valued for tax purposes. Option D is also incorrect; appraisals may be useful in divorce settlements, but they are not mandatory for all property settlements. Thus, the FHA loan requirement makes option C the most accurate choice.

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