{"id":210165,"date":"2025-07-01T03:44:14","date_gmt":"2025-07-01T03:44:14","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/how-binding-is-a-subject-to-completion-appraisal-report\/"},"modified":"2025-07-01T03:44:14","modified_gmt":"2025-07-01T03:44:14","slug":"how-binding-is-a-subject-to-completion-appraisal-report","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/how-binding-is-a-subject-to-completion-appraisal-report\/","title":{"rendered":"How binding is a subject-to-completion appraisal report?"},"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\/how-binding-is-a-subject-to-completion-appraisal-report\/#How_binding_is_a_subject-to-completion_appraisal_report\" title=\"How binding is a subject-to-completion appraisal report?\">How binding is a subject-to-completion appraisal report?<\/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\/how-binding-is-a-subject-to-completion-appraisal-report\/#What_is_a_subject-to-completion_appraisal_report\" title=\"What is a subject-to-completion appraisal report?\">What is a subject-to-completion appraisal report?<\/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-binding-is-a-subject-to-completion-appraisal-report\/#Who_typically_orders_a_subject-to-completion_appraisal_report\" title=\"Who typically orders a subject-to-completion appraisal report?\">Who typically orders a subject-to-completion appraisal report?<\/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-binding-is-a-subject-to-completion-appraisal-report\/#What_factors_are_considered_in_a_subject-to-completion_appraisal_report\" title=\"What factors are considered in a subject-to-completion appraisal report?\">What factors are considered in a subject-to-completion appraisal report?<\/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-binding-is-a-subject-to-completion-appraisal-report\/#How_long_does_it_take_to_receive_a_subject-to-completion_appraisal_report\" title=\"How long does it take to receive a subject-to-completion appraisal report?\">How long does it take to receive a subject-to-completion appraisal report?<\/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-binding-is-a-subject-to-completion-appraisal-report\/#Can_a_subject-to-completion_appraisal_report_be_contested\" title=\"Can a subject-to-completion appraisal report be contested?\">Can a subject-to-completion appraisal report be contested?<\/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-binding-is-a-subject-to-completion-appraisal-report\/#Can_a_subject-to-completion_appraisal_report_affect_the_final_sale_price_of_a_property\" title=\"Can a subject-to-completion appraisal report affect the final sale price of a property?\">Can a subject-to-completion appraisal report affect the final sale price of a property?<\/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-binding-is-a-subject-to-completion-appraisal-report\/#Are_subject-to-completion_appraisal_reports_required_for_all_real_estate_transactions\" title=\"Are subject-to-completion appraisal reports required for all real estate transactions?\">Are subject-to-completion appraisal reports required for all real estate transactions?<\/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-binding-is-a-subject-to-completion-appraisal-report\/#Can_a_subject-to-completion_appraisal_report_be_used_for_tax_purposes\" title=\"Can a subject-to-completion appraisal report be used for tax purposes?\">Can a subject-to-completion appraisal report be used for tax purposes?<\/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-binding-is-a-subject-to-completion-appraisal-report\/#Is_a_subject-to-completion_appraisal_report_the_same_as_a_home_inspection\" title=\"Is a subject-to-completion appraisal report the same as a home inspection?\">Is a subject-to-completion appraisal report the same as a home inspection?<\/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-binding-is-a-subject-to-completion-appraisal-report\/#Can_a_buyer_use_a_subject-to-completion_appraisal_report_to_negotiate_a_lower_price\" title=\"Can a buyer use a subject-to-completion appraisal report to negotiate a lower price?\">Can a buyer use a subject-to-completion appraisal report to negotiate a lower price?<\/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-binding-is-a-subject-to-completion-appraisal-report\/#Can_a_seller_request_a_subject-to-completion_appraisal_report_before_listing_their_property\" title=\"Can a seller request a subject-to-completion appraisal report before listing their property?\">Can a seller request a subject-to-completion appraisal report before listing their property?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_binding_is_a_subject-to-completion_appraisal_report\"><\/span>How binding is a subject-to-completion appraisal report?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A subject-to-completion appraisal report is not legally binding. It is an estimate of a property&#8217;s value based on various factors such as location, condition, and comparable sales. The purpose of this report is to provide guidance to the parties involved in a real estate transaction, but it does not serve as a guarantee of the property&#8217;s value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_subject-to-completion_appraisal_report\"><\/span>What is a subject-to-completion appraisal report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A subject-to-completion appraisal report is an assessment of a property&#8217;s value that is contingent on certain conditions being met, such as repairs or renovations being completed before the final appraisal is conducted.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Who_typically_orders_a_subject-to-completion_appraisal_report\"><\/span>Who typically orders a subject-to-completion appraisal report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A subject-to-completion appraisal report is usually ordered by a lender or a buyer to determine the value of a property before finalizing a real estate transaction.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_factors_are_considered_in_a_subject-to-completion_appraisal_report\"><\/span>What factors are considered in a subject-to-completion appraisal report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A subject-to-completion appraisal report takes into account various factors such as the property&#8217;s location, size, condition, amenities, and recent sales of similar properties in the area.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_long_does_it_take_to_receive_a_subject-to-completion_appraisal_report\"><\/span>How long does it take to receive a subject-to-completion appraisal report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The time it takes to receive a subject-to-completion appraisal report can vary depending on the complexity of the property and the availability of the appraiser. Typically, it can take anywhere from a few days to a few weeks to receive the final report.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_a_subject-to-completion_appraisal_report_be_contested\"><\/span>Can a subject-to-completion appraisal report be contested?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you believe that the information in a subject-to-completion appraisal report is inaccurate, you have the right to contest it. You can provide additional evidence or request a reevaluation of the property by another appraiser.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_a_subject-to-completion_appraisal_report_affect_the_final_sale_price_of_a_property\"><\/span>Can a subject-to-completion appraisal report affect the final sale price of a property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, a subject-to-completion appraisal report can impact the final sale price of a property. If the appraised value is lower than the agreed-upon sale price, the buyer may request a renegotiation of the terms or the seller may be required to lower the price.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_subject-to-completion_appraisal_reports_required_for_all_real_estate_transactions\"><\/span>Are subject-to-completion appraisal reports required for all real estate transactions?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While subject-to-completion appraisal reports are not mandatory for all real estate transactions, they are commonly requested by lenders to ensure that the property is worth the amount being borrowed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_a_subject-to-completion_appraisal_report_be_used_for_tax_purposes\"><\/span>Can a subject-to-completion appraisal report be used for tax purposes?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A subject-to-completion appraisal report can be used for tax purposes to determine the assessed value of a property. However, it is important to note that the assessed value for tax purposes may differ from the market value determined by the appraisal report.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_a_subject-to-completion_appraisal_report_the_same_as_a_home_inspection\"><\/span>Is a subject-to-completion appraisal report the same as a home inspection?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, a subject-to-completion appraisal report is not the same as a home inspection. While both assessments evaluate a property, an appraisal report focuses on the property&#8217;s market value, while a home inspection assesses the condition of the property&#8217;s structure, systems, and components.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_a_buyer_use_a_subject-to-completion_appraisal_report_to_negotiate_a_lower_price\"><\/span>Can a buyer use a subject-to-completion appraisal report to negotiate a lower price?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, a buyer can use a subject-to-completion appraisal report to negotiate a lower price if the appraised value is lower than the agreed-upon sale price. The buyer can present the appraisal report to the seller as evidence for a price reduction.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_a_seller_request_a_subject-to-completion_appraisal_report_before_listing_their_property\"><\/span>Can a seller request a subject-to-completion appraisal report before listing their property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, a seller can request a subject-to-completion appraisal report before listing their property to get an idea of the current market value. This can help the seller determine an appropriate listing price and attract potential buyers.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How binding is a subject-to-completion appraisal report? A subject-to-completion appraisal report is not legally binding. It is an estimate of a property&#8217;s value based on various factors such as location, condition, and comparable sales. The purpose of this report is to provide guidance to the parties involved in a real estate transaction, but it does &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"How binding is a subject-to-completion appraisal report?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/how-binding-is-a-subject-to-completion-appraisal-report\/#more-210165\">Read more<span class=\"screen-reader-text\">How binding is a subject-to-completion appraisal report?<\/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-210165","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 binding is a subject-to-completion appraisal report?<\/title>\n<meta name=\"description\" content=\"How binding is a subject-to-completion appraisal report? 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A subject-to-completion appraisal report is not legally binding. 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