Let’s lay it out. When you buy, sell, or refinance a home, a licensed appraiserdetermines the home’s value. That number controls everything—yourability to get a loan, to access equity, and your long-term wealth.But what happens when that appraisal is based on comps from outside yourneighborhood—or when race, even subconsciously, plays a role invaluing your property lower than it deserves?