Help me settle this 20 yr fixed vs 30 yr fixed mortgage debate

[scotchnrocks]

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Desert is correct about appraisals. If I sell a house in Cali for 50k under market, the appraiser is gonna say its worth almost exactly what I'm selling it for.

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Have you ever seen an appraisal before? My appraisal had 4 comparables with 2 of them being the units directly above and below mine (same floorplan) and their purchase price. I don't see how the appraiser could have been doing me a favor for better or for worse.