Post Storm Operational Update: PenAir branch locations, Member Service Center, and Virtual Branch, have reopened. LIVE Tellers have reopened with a few still inoperable. Visit PenAir.org/updates for more information.
In most cases the answer is yes. In some cases, an appraisal may not be required. You should always consult a mortgage expert to find out if an appraisal is necessary before starting the refinancing process.