{"id":240048,"date":"2024-07-14T11:47:14","date_gmt":"2024-07-14T11:47:14","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/?p=240048"},"modified":"2024-07-14T11:47:14","modified_gmt":"2024-07-14T11:47:14","slug":"who-gets-the-appraisal-when-buying-a-house","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/who-gets-the-appraisal-when-buying-a-house\/","title":{"rendered":"Who gets the appraisal when buying a house?"},"content":{"rendered":"<p>When it comes to buying a house, there are many steps along the way that are crucial to completing the transaction successfully. One of these steps is the appraisal of the property, which helps determine its fair market value. But who gets the appraisal when buying a house?<\/p>\n<p>**Who gets the appraisal when buying a house?**<\/p>\n<p>When buying a house, the buyer is typically the one who pays for and orders the appraisal. This is because lenders require an appraisal to ensure that the property is worth the amount being borrowed.<\/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\/who-gets-the-appraisal-when-buying-a-house\/#FAQs\" title=\"FAQs:\">FAQs:<\/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\/who-gets-the-appraisal-when-buying-a-house\/#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\/who-gets-the-appraisal-when-buying-a-house\/#2_Why_is_an_appraisal_necessary_when_buying_a_house\" title=\"2. Why is an appraisal necessary when buying a house?\">2. Why is an appraisal necessary when buying a house?<\/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\/who-gets-the-appraisal-when-buying-a-house\/#3_How_much_does_a_home_appraisal_cost\" title=\"3. How much does a home appraisal cost?\">3. How much does a home appraisal cost?<\/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\/who-gets-the-appraisal-when-buying-a-house\/#4_How_long_does_a_home_appraisal_take\" title=\"4. How long does a home appraisal take?\">4. How long does a home 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\/who-gets-the-appraisal-when-buying-a-house\/#5_What_happens_if_the_home_appraisal_comes_in_lower_than_the_purchase_price\" title=\"5. What happens if the home appraisal comes in lower than the purchase price?\">5. What happens if the home 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-7\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-appraisal-when-buying-a-house\/#6_Can_a_buyer_choose_their_own_appraiser\" title=\"6. Can a buyer choose their own appraiser?\">6. Can a buyer choose their own appraiser?<\/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\/who-gets-the-appraisal-when-buying-a-house\/#7_Can_a_buyer_waive_the_appraisal_when_buying_a_house\" title=\"7. Can a buyer waive the appraisal when buying a house?\">7. Can a buyer waive the appraisal when buying a house?<\/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\/who-gets-the-appraisal-when-buying-a-house\/#8_What_factors_determine_the_value_of_a_property_in_an_appraisal\" title=\"8. What factors determine the value of a property in an appraisal?\">8. What factors determine the value of a property in an 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\/who-gets-the-appraisal-when-buying-a-house\/#9_Who_receives_a_copy_of_the_home_appraisal_report\" title=\"9. Who receives a copy of the home appraisal report?\">9. Who receives a copy of the home appraisal report?<\/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\/who-gets-the-appraisal-when-buying-a-house\/#10_Can_a_seller_dispute_the_appraisal_value\" title=\"10. Can a seller dispute the appraisal value?\">10. Can a seller dispute the appraisal value?<\/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\/who-gets-the-appraisal-when-buying-a-house\/#11_Does_the_appraisal_affect_the_buyers_ability_to_get_a_mortgage\" title=\"11. Does the appraisal affect the buyer&#8217;s ability to get a mortgage?\">11. Does the appraisal affect the buyer&#8217;s ability to get a mortgage?<\/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\/who-gets-the-appraisal-when-buying-a-house\/#12_How_often_should_a_home_be_appraised\" title=\"12. How often should a home be appraised?\">12. How often should a home be appraised?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs:<span class=\"ez-toc-section-end\"><\/span><\/h3>\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>\nA home appraisal is an unbiased estimate of the fair market value of a property by a licensed appraiser.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Why_is_an_appraisal_necessary_when_buying_a_house\"><\/span>2. Why is an appraisal necessary when buying a house?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAn appraisal is necessary to protect the lender&#8217;s investment by ensuring that the property is worth the amount being borrowed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_much_does_a_home_appraisal_cost\"><\/span>3. How much does a home appraisal cost?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe cost of a home appraisal can vary depending on the location and size of the property, but it generally ranges from $300 to $500.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_long_does_a_home_appraisal_take\"><\/span>4. How long does a home appraisal take?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA home appraisal typically takes a few days to a week to complete, depending on the complexity of the property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_happens_if_the_home_appraisal_comes_in_lower_than_the_purchase_price\"><\/span>5. What happens if the home appraisal comes in lower than the purchase price?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the home appraisal comes in lower than the purchase price, the buyer may have to renegotiate the price with the seller or come up with additional funds to cover the difference.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_a_buyer_choose_their_own_appraiser\"><\/span>6. Can a buyer choose their own appraiser?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn most cases, the buyer cannot choose their own appraiser. The lender will typically choose the appraiser to ensure objectivity.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_a_buyer_waive_the_appraisal_when_buying_a_house\"><\/span>7. Can a buyer waive the appraisal when buying a house?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn certain circumstances, such as a cash purchase or if the buyer is willing to pay for the property without a loan, the buyer may be able to waive the appraisal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_What_factors_determine_the_value_of_a_property_in_an_appraisal\"><\/span>8. What factors determine the value of a property in an appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nFactors such as the location of the property, its size, condition, and comparable sales in the area all play a role in determining the value of a property in an appraisal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Who_receives_a_copy_of_the_home_appraisal_report\"><\/span>9. Who receives a copy of the home appraisal report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe buyer, the lender, and the seller all typically receive a copy of the home appraisal report.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_a_seller_dispute_the_appraisal_value\"><\/span>10. Can a seller dispute the appraisal value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf a seller believes that the appraisal value is inaccurate, they may request a reconsideration of value from the appraiser or provide additional information to support their case.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Does_the_appraisal_affect_the_buyers_ability_to_get_a_mortgage\"><\/span>11. Does the appraisal affect the buyer&#8217;s ability to get a mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the appraisal plays a crucial role in determining the buyer&#8217;s ability to get a mortgage. If the property&#8217;s appraised value is lower than the loan amount, the lender may not approve the mortgage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_How_often_should_a_home_be_appraised\"><\/span>12. How often should a home be appraised?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHome appraisals are typically done during the home buying process. However, homeowners may choose to get a new appraisal when refinancing or making significant improvements to the property.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to buying a house, there are many steps along the way that are crucial to completing the transaction successfully. One of these steps is the appraisal of the property, which helps determine its fair market value. But who gets the appraisal when buying a house? **Who gets the appraisal when buying a &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Who gets the appraisal when buying a house?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-appraisal-when-buying-a-house\/#more-240048\">Read more<span class=\"screen-reader-text\">Who gets the appraisal when buying a house?<\/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-240048","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>Who gets the appraisal when buying a house?<\/title>\n<meta name=\"description\" content=\"When it comes to buying a house, there are many steps along the way that are crucial to completing the transaction successfully. 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