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8 Tips for a Smooth Appraisal

April 28, 2023

appraisal tips

Here are 8 tips to help reduce the stress of a home appraisal for both sellers and buyers:

  1. Compile a list of recent improvements with before and after pictures and copies of paid receipts. For major updates, provide a detailed copy of the contractor’s bid.
  2. Ensure that all areas, including the attic, basement, crawl spaces, and garage, are accessible to the appraiser.
  3. If the home is part of a homeowner’s association, include a copy of the fees paid and the name and phone number of the association president or administrator.
  4. Straighten up each room, as appraisers are required to photograph every room. A tidy room may not impact the appraisal, but it can influence the underwriter’s objectivity.
  5. If there are any unfinished projects, complete them before the appraiser’s inspection.
  6. Provide a copy of any easements, encroachments, or unusual covenants associated with the title to the appraiser.
  7. If the seller is aware of any recent “For Sale by Owner” sales that could support the value, they should try to obtain additional information from the home buyers living there now.
  8. Since the appraisal is paid for and completed for the buyer and lender, the seller does not have the right to know the final value unless the buyer gives permission to share the information.

At Homestead Financial Mortgage, we own our own Appraisal Management Company. This means that buyers will never have to pay an upfront appraisal fee like with other lenders. This reduces the risk for the buyer and puts it on the lender. Additionally, we use quality appraisers who are familiar with the local area, potentially resulting in higher values.

Want to learn more about appraisals:
Getting a Fair Home Appraisal
Should You Waive the Appraisal Contingency on Your Home Purchase Offer?

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