The home appraisal process is just a formality when buying real estate, right? You’ve found the house you love and put in a good offer, and it was accepted! It’s time to break out the Dom Pérignon White Gold? Sorry, not yet.If you’ve applied for a mortgage, your home-to-be still has to undergo a comprehensive appraisal of its worth—and an unfavorable home appraisal can kill a real estate deal....