refi price wheres it come from ? is it accessed price ?

[Gino Cook]

So I see  homes for $25,000 to $40,000  and they are accessed at anywhere from $89,000- $129,000 . When u go to refi where does that price come from that u get money on ? if its appraised value where do they get that value from te accessed value ? I have 3 bank accounts from 3 different banks I talked to loan officers each one said chances are pretty good for the appraisal to just do a drive by... Now I was looking for this answer but didn't just wanna ask if they gotta come in house all three banks said they would prob just do a drive by , so do they go off the accessed value ? drive by and if it looks decent just write a number ?