{"id":239659,"date":"2024-05-25T01:07:50","date_gmt":"2024-05-25T01:07:50","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/?p=239659"},"modified":"2024-05-25T01:07:50","modified_gmt":"2024-05-25T01:07:50","slug":"when-buying-a-house-what-happens-after-the-appraisal","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/when-buying-a-house-what-happens-after-the-appraisal\/","title":{"rendered":"When buying a house what happens after the 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\/when-buying-a-house-what-happens-after-the-appraisal\/#When_buying_a_house_what_happens_after_the_appraisal\" title=\"When buying a house what happens after the appraisal?\">When buying a house what happens after the 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\/when-buying-a-house-what-happens-after-the-appraisal\/#1_What_is_a_home_appraisal\" title=\"1. What is a home appraisal?\">1. What is a home 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\/when-buying-a-house-what-happens-after-the-appraisal\/#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-4\" href=\"https:\/\/namso-gen.co\/blog\/when-buying-a-house-what-happens-after-the-appraisal\/#3_How_long_does_an_appraisal_take\" title=\"3. How long does an appraisal take?\">3. 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-5\" href=\"https:\/\/namso-gen.co\/blog\/when-buying-a-house-what-happens-after-the-appraisal\/#4_What_happens_if_the_appraisal_comes_in_lower_than_the_purchase_price\" title=\"4. What happens if the appraisal comes in lower than the purchase price?\">4. What happens if the appraisal comes in lower 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-6\" href=\"https:\/\/namso-gen.co\/blog\/when-buying-a-house-what-happens-after-the-appraisal\/#5_Can_a_buyer_challenge_an_appraisal\" title=\"5. Can a buyer challenge an appraisal?\">5. Can a buyer challenge an appraisal?<\/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\/when-buying-a-house-what-happens-after-the-appraisal\/#6_Can_the_seller_request_a_second_appraisal\" title=\"6. Can the seller request a second appraisal?\">6. Can the seller request a second 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\/when-buying-a-house-what-happens-after-the-appraisal\/#7_Can_the_appraisal_amount_be_changed_after_it_is_completed\" title=\"7. Can the appraisal amount be changed after it is completed?\">7. Can the appraisal amount be changed after it is completed?<\/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\/when-buying-a-house-what-happens-after-the-appraisal\/#8_What_documents_are_needed_for_a_home_appraisal\" title=\"8. What documents are needed for a home appraisal?\">8. What documents are needed for a home appraisal?<\/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\/when-buying-a-house-what-happens-after-the-appraisal\/#9_What_factors_can_impact_a_home_appraisal\" title=\"9. What factors can impact a home appraisal?\">9. What factors can impact a home appraisal?<\/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\/when-buying-a-house-what-happens-after-the-appraisal\/#10_Can_the_buyer_choose_the_appraiser\" title=\"10. Can the buyer choose the appraiser?\">10. Can the buyer choose the appraiser?<\/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\/when-buying-a-house-what-happens-after-the-appraisal\/#11_How_long_is_an_appraisal_report_valid\" title=\"11. How long is an appraisal report valid?\">11. How long is an appraisal report valid?<\/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\/when-buying-a-house-what-happens-after-the-appraisal\/#12_What_happens_if_the_appraisal_value_is_higher_than_the_purchase_price\" title=\"12. What happens if the appraisal value is higher than the purchase price?\">12. What happens if the appraisal value is higher than the purchase price?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"When_buying_a_house_what_happens_after_the_appraisal\"><\/span>When buying a house what happens after the appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>After the appraisal of a house is completed, the next steps involved in the home-buying process can vary depending on the results of the appraisal. <\/p>\n<p>If the appraisal comes in at or above the agreed-upon purchase price, the transaction can proceed as planned. However, if the appraisal comes in lower than the purchase price, it can complicate things.<\/p>\n<p>In this case, the buyer and seller may need to renegotiate the purchase price, the buyer may need to come up with more cash to cover the difference, or the deal may fall through altogether.<\/p>\n<p>Additionally, the lender may require repairs to be made before approving the loan if the appraisal identifies any issues that could affect the property&#8217;s value or safety.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_a_home_appraisal\"><\/span>1. What is a home appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A home appraisal is an assessment of a property&#8217;s value conducted by a licensed or certified 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>Typically, the buyer is responsible for paying for the home appraisal as part of the closing costs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_long_does_an_appraisal_take\"><\/span>3. How long does an appraisal take?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>An average home appraisal typically takes anywhere from a few days to a week to complete.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_happens_if_the_appraisal_comes_in_lower_than_the_purchase_price\"><\/span>4. What happens if the appraisal comes in lower than the purchase price?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the appraisal comes in lower than the purchase price, the buyer and seller may need to renegotiate the price, the buyer may need to come up with more cash, or the deal may fall through.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_a_buyer_challenge_an_appraisal\"><\/span>5. Can a buyer challenge an appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Buyers can challenge an appraisal, but it is a complex and potentially lengthy process that may not always result in a change to the appraised value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_the_seller_request_a_second_appraisal\"><\/span>6. Can the seller request a second appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While sellers cannot directly request a second appraisal, they can work with their real estate agent to explore options if they believe the first appraisal was inaccurate.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_the_appraisal_amount_be_changed_after_it_is_completed\"><\/span>7. Can the appraisal amount be changed after it is completed?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Once the home appraisal is completed and the appraiser issues the report, the appraised value is typically considered final unless there are circumstances that warrant a challenge.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_What_documents_are_needed_for_a_home_appraisal\"><\/span>8. What documents are needed for a home appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Documents such as recent tax assessments, property surveys, building plans, and information on recent home improvements are typically provided to the appraiser to help determine the property&#8217;s value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_What_factors_can_impact_a_home_appraisal\"><\/span>9. What factors can impact a home appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Factors that can impact a home appraisal include the property&#8217;s location, size, condition, age, upgrades, and recent sales of similar properties in the area.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_the_buyer_choose_the_appraiser\"><\/span>10. Can the buyer choose the appraiser?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While buyers cannot choose the specific appraiser, they can ensure that the appraiser selected by the lender is qualified and unbiased.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_How_long_is_an_appraisal_report_valid\"><\/span>11. How long is an appraisal report valid?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>An appraisal report is typically valid for up to six months, but lenders may require a new appraisal if the report is outdated or if market conditions have significantly changed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_What_happens_if_the_appraisal_value_is_higher_than_the_purchase_price\"><\/span>12. What happens if the appraisal value is higher than the purchase price?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the appraisal value is higher than the purchase price, it can benefit the buyer by providing additional equity in the property or allowing them to reconsider their asking price with the seller.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When buying a house what happens after the appraisal? After the appraisal of a house is completed, the next steps involved in the home-buying process can vary depending on the results of the appraisal. If the appraisal comes in at or above the agreed-upon purchase price, the transaction can proceed as planned. However, if the &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"When buying a house what happens after the appraisal?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/when-buying-a-house-what-happens-after-the-appraisal\/#more-239659\">Read more<span class=\"screen-reader-text\">When buying a house what happens after the appraisal?<\/span><\/a><\/p>\n","protected":false},"author":60,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-239659","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>When buying a house what happens after the appraisal?<\/title>\n<meta name=\"description\" content=\"When buying a house what happens after the appraisal? 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