{"id":209515,"date":"2025-04-11T09:13:03","date_gmt":"2025-04-11T09:13:03","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/does-the-appraisal-happen-after-underwriting\/"},"modified":"2025-04-11T09:13:03","modified_gmt":"2025-04-11T09:13:03","slug":"does-the-appraisal-happen-after-underwriting","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/does-the-appraisal-happen-after-underwriting\/","title":{"rendered":"Does the appraisal happen after underwriting?"},"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\/does-the-appraisal-happen-after-underwriting\/#Does_the_appraisal_happen_after_underwriting\" title=\"Does the appraisal happen after underwriting?\">Does the appraisal happen after underwriting?<\/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\/does-the-appraisal-happen-after-underwriting\/#Related_FAQs\" title=\"Related FAQs\">Related FAQs<\/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\/does-the-appraisal-happen-after-underwriting\/#1_What_is_underwriting_in_the_mortgage_process\" title=\"1. What is underwriting in the mortgage process?\">1. What is underwriting in the mortgage process?<\/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\/does-the-appraisal-happen-after-underwriting\/#2_Why_is_an_appraisal_necessary_in_the_mortgage_process\" title=\"2. Why is an appraisal necessary in the mortgage process?\">2. Why is an appraisal necessary in the mortgage process?<\/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\/does-the-appraisal-happen-after-underwriting\/#3_Who_orders_the_appraisal_in_the_mortgage_process\" title=\"3. Who orders the appraisal in the mortgage process?\">3. Who orders the appraisal in the mortgage process?<\/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\/does-the-appraisal-happen-after-underwriting\/#4_How_long_does_underwriting_take_in_the_mortgage_process\" title=\"4. How long does underwriting take in the mortgage process?\">4. How long does underwriting take in the mortgage process?<\/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\/does-the-appraisal-happen-after-underwriting\/#5_What_happens_if_the_property_appraises_for_less_than_the_loan_amount\" title=\"5. What happens if the property appraises for less than the loan amount?\">5. What happens if the property appraises for less than 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\/does-the-appraisal-happen-after-underwriting\/#6_Can_underwriting_be_done_without_an_appraisal\" title=\"6. Can underwriting be done without an appraisal?\">6. Can underwriting be done without an 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\/does-the-appraisal-happen-after-underwriting\/#7_What_role_does_the_appraiser_play_in_the_mortgage_process\" title=\"7. What role does the appraiser play in the mortgage process?\">7. What role does the appraiser play in the mortgage process?<\/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\/does-the-appraisal-happen-after-underwriting\/#8_How_does_the_appraisal_affect_the_mortgage_approval_process\" title=\"8. How does the appraisal affect the mortgage approval process?\">8. How does the appraisal affect the mortgage approval process?<\/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\/does-the-appraisal-happen-after-underwriting\/#9_Can_the_borrower_choose_the_appraiser_in_the_mortgage_process\" title=\"9. Can the borrower choose the appraiser in the mortgage process?\">9. Can the borrower choose the appraiser in the mortgage process?<\/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\/does-the-appraisal-happen-after-underwriting\/#10_Can_the_appraisal_be_waived_in_the_mortgage_process\" title=\"10. Can the appraisal be waived in the mortgage process?\">10. Can the appraisal be waived in the mortgage process?<\/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\/does-the-appraisal-happen-after-underwriting\/#11_What_happens_if_the_property_appraises_for_more_than_the_loan_amount\" title=\"11. What happens if the property appraises for more than the loan amount?\">11. What happens if the property appraises for more than the loan amount?<\/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\/does-the-appraisal-happen-after-underwriting\/#12_Can_the_appraisal_value_change_after_underwriting\" title=\"12. Can the appraisal value change after underwriting?\">12. Can the appraisal value change after underwriting?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Does_the_appraisal_happen_after_underwriting\"><\/span>Does the appraisal happen after underwriting?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, the appraisal typically happens after underwriting in the mortgage process. Underwriting is the stage where a lender evaluates the borrower&#8217;s financial information and decides whether to approve the loan. The appraisal, on the other hand, is an assessment of the property&#8217;s value by a licensed appraiser.<\/p>\n<p>After the underwriter reviews all the necessary documents and information provided by the borrower, they will determine if the loan should be approved. If the loan is conditionally approved, the lender will then order an appraisal to ensure that the property is worth the amount being borrowed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Related_FAQs\"><\/span>Related FAQs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_underwriting_in_the_mortgage_process\"><\/span>1. What is underwriting in the mortgage process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Underwriting is the process where a lender evaluates the borrower&#8217;s financial information to determine their eligibility for a mortgage loan. This includes reviewing credit history, income, assets, and the property being purchased.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Why_is_an_appraisal_necessary_in_the_mortgage_process\"><\/span>2. Why is an appraisal necessary in the mortgage process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>An appraisal is necessary in the mortgage process to ensure that the property being purchased is worth the amount being borrowed. Lenders want to make sure they are not lending more money than the property is actually worth.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Who_orders_the_appraisal_in_the_mortgage_process\"><\/span>3. Who orders the appraisal in the mortgage process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The lender typically orders the appraisal in the mortgage process. The borrower may be responsible for paying for the appraisal, which is usually done after the loan is conditionally approved by the underwriter.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_long_does_underwriting_take_in_the_mortgage_process\"><\/span>4. How long does underwriting take in the mortgage process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The length of time it takes for underwriting to be completed can vary depending on the lender and the complexity of the borrower&#8217;s financial situation. It can take anywhere from a few days to a few weeks.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_happens_if_the_property_appraises_for_less_than_the_loan_amount\"><\/span>5. What happens if the property appraises for less than the loan amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the property appraises for less than the loan amount, the lender may require the borrower to come up with the difference in cash or renegotiate the terms of the loan. In some cases, the deal may fall through if the borrower is unable to make up the shortfall.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_underwriting_be_done_without_an_appraisal\"><\/span>6. Can underwriting be done without an appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While it is possible for underwriting to be completed without an appraisal in some cases, such as with certain types of loans like FHA loans, most conventional mortgage loans require an appraisal to be conducted before final approval.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_What_role_does_the_appraiser_play_in_the_mortgage_process\"><\/span>7. What role does the appraiser play in the mortgage process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The appraiser&#8217;s role in the mortgage process is to provide an unbiased assessment of the property&#8217;s value. This helps the lender determine if the property is worth the amount being borrowed and if it can be used as collateral for the loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_does_the_appraisal_affect_the_mortgage_approval_process\"><\/span>8. How does the appraisal affect the mortgage approval process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The appraisal can have a significant impact on the mortgage approval process. If the property appraises for less than the loan amount, the lender may require the borrower to make up the difference or adjust the terms of the loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_the_borrower_choose_the_appraiser_in_the_mortgage_process\"><\/span>9. Can the borrower choose the appraiser in the mortgage process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While borrowers cannot choose the specific appraiser, they can request that the lender use an appraiser who is familiar with the local real estate market and has experience appraising similar properties. This can help ensure a more accurate appraisal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_the_appraisal_be_waived_in_the_mortgage_process\"><\/span>10. Can the appraisal be waived in the mortgage process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In some cases, such as with certain types of loans like VA loans or streamline refinances, the appraisal may be waived. However, most conventional mortgage loans require an appraisal to be conducted before final approval.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_What_happens_if_the_property_appraises_for_more_than_the_loan_amount\"><\/span>11. What happens if the property appraises for more than the loan amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the property appraises for more than the loan amount, it can benefit the borrower by providing equity in the property. This can be a positive factor when it comes to refinancing or selling the property in the future.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_the_appraisal_value_change_after_underwriting\"><\/span>12. Can the appraisal value change after underwriting?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While it is possible for the appraisal value to change after underwriting, it is not very common. The appraiser&#8217;s assessment of the property&#8217;s value is usually final once it has been conducted and submitted to the lender for review.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Does the appraisal happen after underwriting? Yes, the appraisal typically happens after underwriting in the mortgage process. Underwriting is the stage where a lender evaluates the borrower&#8217;s financial information and decides whether to approve the loan. The appraisal, on the other hand, is an assessment of the property&#8217;s value by a licensed appraiser. After the &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Does the appraisal happen after underwriting?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/does-the-appraisal-happen-after-underwriting\/#more-209515\">Read more<span class=\"screen-reader-text\">Does the appraisal happen after underwriting?<\/span><\/a><\/p>\n","protected":false},"author":53,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-209515","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>Does the appraisal happen after underwriting?<\/title>\n<meta name=\"description\" content=\"Does the appraisal happen after underwriting? 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Yes, the appraisal typically happens after underwriting in the mortgage process. 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