{"id":206018,"date":"2024-09-27T06:25:13","date_gmt":"2024-09-27T06:25:13","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/"},"modified":"2024-09-27T06:25:13","modified_gmt":"2024-09-27T06:25:13","slug":"how-long-before-closing-is-appraisal-done","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/","title":{"rendered":"How long before closing is appraisal done?"},"content":{"rendered":"<p>The appraisal process typically takes place shortly after a buyer and seller agree on a price for a home. This is because lenders require an appraisal to ensure the home&#8217;s value matches the loan amount being requested. In most cases, the appraisal is done within 7-10 days of the purchase agreement being signed.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#1_What_is_the_purpose_of_an_appraisal\" title=\"1. What is the purpose of an appraisal?\">1. What is the purpose of an appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#2_Who_pays_for_the_appraisal\" title=\"2. Who pays for the appraisal?\">2. Who pays for the appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#3_What_factors_affect_the_timing_of_an_appraisal\" title=\"3. What factors affect the timing of an appraisal?\">3. What factors affect the timing of an appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#4_Can_an_appraisal_be_expedited\" title=\"4. Can an appraisal be expedited?\">4. Can an appraisal be expedited?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#5_What_happens_if_the_appraisal_comes_in_lower_than_the_agreed-upon_price\" title=\"5. What happens if the appraisal comes in lower than the agreed-upon price?\">5. What happens if the appraisal comes in lower than the agreed-upon price?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#6_What_if_the_appraisal_comes_in_higher_than_the_agreed-upon_price\" title=\"6. What if the appraisal comes in higher than the agreed-upon price?\">6. What if the appraisal comes in higher than the agreed-upon price?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#7_What_happens_if_the_home_doesnt_appraise_for_the_loan_amount\" title=\"7. What happens if the home doesn&#8217;t appraise for the loan amount?\">7. What happens if the home doesn&#8217;t appraise for the loan amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#8_Can_a_seller_be_present_during_the_appraisal\" title=\"8. Can a seller be present during the appraisal?\">8. Can a seller be present during the appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#9_What_criteria_do_appraisers_use_to_determine_a_homes_value\" title=\"9. What criteria do appraisers use to determine a home&#8217;s value?\">9. What criteria do appraisers use to determine a home&#8217;s value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#10_How_long_does_an_appraisal_take\" title=\"10. How long does an appraisal take?\">10. How long does an appraisal take?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#11_What_if_the_home_is_in_poor_condition\" title=\"11. What if the home is in poor condition?\">11. What if the home is in poor condition?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#12_Can_I_request_a_copy_of_the_appraisal\" title=\"12. Can I request a copy of the appraisal?\">12. Can I request a copy of the appraisal?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_the_purpose_of_an_appraisal\"><\/span>1. What is the purpose of an appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAn appraisal is an unbiased estimate of a property&#8217;s fair market value, conducted by a licensed appraiser.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Who_pays_for_the_appraisal\"><\/span>2. Who pays for the appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTypically, the buyer is responsible for paying for the appraisal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_factors_affect_the_timing_of_an_appraisal\"><\/span>3. What factors affect the timing of an appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nFactors such as the availability of the appraiser, the complexity of the property being appraised, and the number of appraisals in the queue can all impact the timing of an appraisal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_an_appraisal_be_expedited\"><\/span>4. Can an appraisal be expedited?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn some cases, an appraisal can be expedited for an additional fee. However, this is not always possible, as appraisers have to follow strict guidelines and procedures.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_happens_if_the_appraisal_comes_in_lower_than_the_agreed-upon_price\"><\/span>5. What happens if the appraisal comes in lower than the agreed-upon price?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the appraisal comes in lower than the agreed-upon price, the buyer may have to renegotiate the price with the seller, come up with additional cash to cover the difference, or walk away from the deal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_What_if_the_appraisal_comes_in_higher_than_the_agreed-upon_price\"><\/span>6. What if the appraisal comes in higher than the agreed-upon price?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the appraisal comes in higher than the agreed-upon price, it can benefit the buyer by increasing the equity in the home or allowing for better loan terms.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_What_happens_if_the_home_doesnt_appraise_for_the_loan_amount\"><\/span>7. What happens if the home doesn&#8217;t appraise for the loan amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the home doesn&#8217;t appraise for the loan amount, the lender may not approve the loan. The buyer will either need to come up with additional funds to cover the difference or renegotiate the purchase price with the seller.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_a_seller_be_present_during_the_appraisal\"><\/span>8. Can a seller be present during the appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile it&#8217;s not common for sellers to be present during the appraisal, they can provide information to the appraiser about upgrades or improvements made to the home.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_What_criteria_do_appraisers_use_to_determine_a_homes_value\"><\/span>9. What criteria do appraisers use to determine a home&#8217;s value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAppraisers consider factors such as the home&#8217;s size, condition, location, and comparable sales in the area when determining a home&#8217;s value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_How_long_does_an_appraisal_take\"><\/span>10. How long does an appraisal take?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAn appraisal typically takes a few hours to complete, depending on the size and complexity of the property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_What_if_the_home_is_in_poor_condition\"><\/span>11. What if the home is in poor condition?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf a home is in poor condition, it may not appraise for the desired value. In this case, the buyer and seller may need to come to an agreement on repairs or a lower purchase price.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_request_a_copy_of_the_appraisal\"><\/span>12. Can I request a copy of the appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, as the buyer, you have the right to request a copy of the appraisal report. This can help you understand how the appraiser arrived at the value of the home.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The appraisal process typically takes place shortly after a buyer and seller agree on a price for a home. This is because lenders require an appraisal to ensure the home&#8217;s value matches the loan amount being requested. In most cases, the appraisal is done within 7-10 days of the purchase agreement being signed. 1. What &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"How long before closing is appraisal done?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/how-long-before-closing-is-appraisal-done\/#more-206018\">Read more<span class=\"screen-reader-text\">How long before closing is appraisal done?<\/span><\/a><\/p>\n","protected":false},"author":52,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-206018","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How long before closing is appraisal done?<\/title>\n<meta name=\"description\" content=\"The appraisal process typically takes place shortly after a buyer and seller agree on a price for a home. 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