{"id":207839,"date":"2024-02-08T04:16:59","date_gmt":"2024-02-08T04:16:59","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-happens-in-a-house-appraisal\/"},"modified":"2024-02-08T04:16:59","modified_gmt":"2024-02-08T04:16:59","slug":"what-happens-in-a-house-appraisal","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-happens-in-a-house-appraisal\/","title":{"rendered":"What happens in a house appraisal?"},"content":{"rendered":"<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-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-in-a-house-appraisal\/#What_happens_in_a_house_appraisal\" title=\"What happens in a house appraisal?\">What happens in a house appraisal?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-in-a-house-appraisal\/#FAQs_about_house_appraisals\" title=\"FAQs about house appraisals:\">FAQs about house appraisals:<\/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\/what-happens-in-a-house-appraisal\/#1_Why_is_a_house_appraisal_necessary\" title=\"1. Why is a house appraisal necessary?\">1. Why is a house appraisal necessary?<\/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\/what-happens-in-a-house-appraisal\/#2_Who_hires_the_appraiser_for_a_house_appraisal\" title=\"2. Who hires the appraiser for a house appraisal?\">2. Who hires the appraiser for a house appraisal?<\/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\/what-happens-in-a-house-appraisal\/#3_How_long_does_a_house_appraisal_take\" title=\"3. How long does a house appraisal take?\">3. How long does a house appraisal take?<\/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\/what-happens-in-a-house-appraisal\/#4_What_factors_do_appraisers_consider_when_determining_a_houses_value\" title=\"4. What factors do appraisers consider when determining a house&#8217;s value?\">4. What factors do appraisers consider when determining a house&#8217;s value?<\/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\/what-happens-in-a-house-appraisal\/#5_Can_homeowners_be_present_during_a_house_appraisal\" title=\"5. Can homeowners be present during a house appraisal?\">5. Can homeowners be present during a house appraisal?<\/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\/what-happens-in-a-house-appraisal\/#6_What_can_homeowners_do_to_prepare_for_a_house_appraisal\" title=\"6. What can homeowners do to prepare for a house appraisal?\">6. What can homeowners do to prepare for a house 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\/what-happens-in-a-house-appraisal\/#7_What_happens_if_a_house_doesnt_appraise_for_the_expected_value\" title=\"7. What happens if a house doesn&#8217;t appraise for the expected value?\">7. What happens if a house doesn&#8217;t appraise for the expected 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\/what-happens-in-a-house-appraisal\/#8_How_much_does_a_house_appraisal_cost\" title=\"8. How much does a house appraisal cost?\">8. How much does a house appraisal cost?<\/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\/what-happens-in-a-house-appraisal\/#9_How_long_is_a_house_appraisal_report_valid\" title=\"9. How long is a house appraisal report valid?\">9. How long is a house appraisal report valid?<\/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\/what-happens-in-a-house-appraisal\/#10_Can_homeowners_challenge_a_house_appraisal_if_they_disagree_with_the_value\" title=\"10. Can homeowners challenge a house appraisal if they disagree with the value?\">10. Can homeowners challenge a house appraisal if they disagree with the value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-in-a-house-appraisal\/#11_What_happens_if_the_appraised_value_is_higher_than_the_purchase_price\" title=\"11. What happens if the appraised value is higher than the purchase price?\">11. What happens if the appraised value is higher than the purchase price?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-in-a-house-appraisal\/#12_Can_homeowners_request_a_copy_of_the_house_appraisal_report\" title=\"12. Can homeowners request a copy of the house appraisal report?\">12. Can homeowners request a copy of the house appraisal report?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_happens_in_a_house_appraisal\"><\/span>What happens in a house appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>**A house appraisal is an unbiased professional evaluation of a property&#8217;s value conducted by a licensed appraiser.**<\/p>\n<p>During a house appraisal, the appraiser will inspect the home&#8217;s interior and exterior, take measurements, look at the condition of the property, and compare it to similar homes in the area to determine its market value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_house_appraisals\"><\/span>FAQs about house appraisals:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Why_is_a_house_appraisal_necessary\"><\/span>1. Why is a house appraisal necessary?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA house appraisal is necessary to determine the fair market value of a property for the purpose of a real estate transaction, such as buying, selling, or refinancing.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Who_hires_the_appraiser_for_a_house_appraisal\"><\/span>2. Who hires the appraiser for a house appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTypically, the lender who is providing a mortgage for the property will hire the appraiser to conduct the house appraisal to ensure that the property&#8217;s value aligns with the loan amount.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_long_does_a_house_appraisal_take\"><\/span>3. How long does a house appraisal take?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA house appraisal can take anywhere from 30 minutes to a couple of hours, depending on the size and condition of the property being appraised.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_factors_do_appraisers_consider_when_determining_a_houses_value\"><\/span>4. What factors do appraisers consider when determining a house&#8217;s value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAppraisers consider factors such as the property&#8217;s size, location, condition, age, features, and recent sales of comparable homes in the area.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_homeowners_be_present_during_a_house_appraisal\"><\/span>5. Can homeowners be present during a house appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHomeowners can choose to be present during a house appraisal to answer any questions the appraiser may have or provide additional information about the property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_What_can_homeowners_do_to_prepare_for_a_house_appraisal\"><\/span>6. What can homeowners do to prepare for a house appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHomeowners can prepare for a house appraisal by making sure the property is clean, decluttered, and well-maintained. It can also be helpful to provide the appraiser with a list of any recent improvements or upgrades made to the home.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_What_happens_if_a_house_doesnt_appraise_for_the_expected_value\"><\/span>7. What happens if a house doesn&#8217;t appraise for the expected value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf a house doesn&#8217;t appraise for the expected value, it could cause complications in the real estate transaction. The buyer may need to renegotiate the purchase price, the seller may need to lower their asking price, or the deal could potentially fall through.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_much_does_a_house_appraisal_cost\"><\/span>8. How much does a house appraisal cost?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe cost of a house appraisal can vary depending on the location, size, and complexity of the property. On average, a house appraisal can cost between $300 to $500.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_How_long_is_a_house_appraisal_report_valid\"><\/span>9. How long is a house appraisal report valid?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA house appraisal report is typically valid for up to six months. If the report is more than six months old, the lender may require a new appraisal to ensure the property&#8217;s value hasn&#8217;t changed significantly.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_homeowners_challenge_a_house_appraisal_if_they_disagree_with_the_value\"><\/span>10. Can homeowners challenge a house appraisal if they disagree with the value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHomeowners can challenge a house appraisal if they believe there are errors or inaccuracies in the appraisal report. They can provide additional information or evidence to support their claim and request a reconsideration of the property&#8217;s value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_What_happens_if_the_appraised_value_is_higher_than_the_purchase_price\"><\/span>11. What happens if the appraised value is higher than the purchase price?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the appraised value of a house is higher than the purchase price, it can benefit the buyer by giving them equity in the property from the get-go. However, the seller may need to adjust the asking price to match the appraised value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_homeowners_request_a_copy_of_the_house_appraisal_report\"><\/span>12. Can homeowners request a copy of the house appraisal report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHomeowners can request a copy of the house appraisal report from their lender, as they have the right to review the information provided in the report. This can help them better understand how the property&#8217;s value was determined.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What happens in a house appraisal? **A house appraisal is an unbiased professional evaluation of a property&#8217;s value conducted by a licensed appraiser.** During a house appraisal, the appraiser will inspect the home&#8217;s interior and exterior, take measurements, look at the condition of the property, and compare it to similar homes in the area to &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What happens in a house appraisal?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-in-a-house-appraisal\/#more-207839\">Read more<span class=\"screen-reader-text\">What happens in a house appraisal?<\/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-207839","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>What happens in a house appraisal?<\/title>\n<meta name=\"description\" content=\"What happens in a house appraisal? 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