{"id":241169,"date":"2024-04-27T20:48:28","date_gmt":"2024-04-27T20:48:28","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/?p=241169"},"modified":"2024-04-27T20:48:28","modified_gmt":"2024-04-27T20:48:28","slug":"what-happens-after-a-home-appraisal","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-happens-after-a-home-appraisal\/","title":{"rendered":"What happens after a home 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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-after-a-home-appraisal\/#What_is_a_home_appraisal\" title=\"What is a home appraisal?\">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-2\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-after-a-home-appraisal\/#Who_orders_a_home_appraisal\" title=\"Who orders a home appraisal?\">Who orders 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\/what-happens-after-a-home-appraisal\/#How_long_does_a_home_appraisal_take\" title=\"How long does a home appraisal take?\">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-4\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-after-a-home-appraisal\/#How_is_a_home_appraisal_conducted\" title=\"How is a home appraisal conducted?\">How is a home appraisal conducted?<\/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-after-a-home-appraisal\/#What_factors_affect_a_homes_appraisal_value\" title=\"What factors affect a home&#8217;s appraisal value?\">What factors affect a home&#8217;s appraisal value?<\/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-after-a-home-appraisal\/#What_happens_if_the_homes_appraisal_value_is_lower_than_the_agreed-upon_price\" title=\"What happens if the home&#8217;s appraisal value is lower than the agreed-upon price?\">What happens if the home&#8217;s appraisal value is lower than the agreed-upon 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\/what-happens-after-a-home-appraisal\/#Can_a_home_appraisal_be_contested\" title=\"Can a home appraisal be contested?\">Can a home appraisal be contested?<\/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-after-a-home-appraisal\/#What_happens_after_a_home_appraisal\" title=\"What happens after a home appraisal?\">What happens after a home 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-after-a-home-appraisal\/#Can_the_appraisal_value_be_used_for_negotiations\" title=\"Can the appraisal value be used for negotiations?\">Can the appraisal value be used for negotiations?<\/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-after-a-home-appraisal\/#Does_the_seller_get_a_copy_of_the_home_appraisal\" title=\"Does the seller get a copy of the home appraisal?\">Does the seller get a copy of the 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\/what-happens-after-a-home-appraisal\/#Do_I_need_to_be_present_for_the_home_appraisal\" title=\"Do I need to be present for the home appraisal?\">Do I need to be present for the home appraisal?<\/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-after-a-home-appraisal\/#Can_I_be_present_during_the_home_appraisal\" title=\"Can I be present during the home appraisal?\">Can I be present during the home appraisal?<\/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-after-a-home-appraisal\/#What_happens_if_the_appraiser_finds_issues_with_the_property\" title=\"What happens if the appraiser finds issues with the property?\">What happens if the appraiser finds issues with the property?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_home_appraisal\"><\/span>What is a home appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA home appraisal is an evaluation of a property conducted by a licensed appraiser to determine its market value. This value is used by lenders to ensure the property is worth the amount of money being borrowed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Who_orders_a_home_appraisal\"><\/span>Who orders a home appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTypically, the lender orders a home appraisal to protect their investment in the property. However, sometimes sellers or buyers may also request an appraisal to know the fair market value of the home.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_long_does_a_home_appraisal_take\"><\/span>How long does a home appraisal take?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe duration of a home appraisal can vary depending on the size and complexity of the property. On average, it takes about 1-2 hours for the appraiser to inspect the home and another few days to produce the final appraisal report.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_is_a_home_appraisal_conducted\"><\/span>How is a home appraisal conducted?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nDuring a home appraisal, the appraiser will inspect the property both inside and out, take note of its condition, size, layout, and any upgrades or renovations. They will also compare the property to similar homes in the area that have recently sold to determine its market value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_factors_affect_a_homes_appraisal_value\"><\/span>What factors affect a home&#8217;s appraisal value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSeveral factors can influence a home&#8217;s appraisal value, including its location, size, condition, age, upgrades, renovations, and the current real estate market conditions in the area.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_if_the_homes_appraisal_value_is_lower_than_the_agreed-upon_price\"><\/span>What happens if the home&#8217;s appraisal value is lower than the agreed-upon price?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the home&#8217;s appraisal value comes in lower than the agreed-upon price, it can cause problems for the transaction. The buyer may have to come up with more money to cover the difference, renegotiate the price with the seller, or the deal may fall through.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_a_home_appraisal_be_contested\"><\/span>Can a home appraisal be contested?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you believe that the home appraisal is inaccurate, you can request a review or a second appraisal. However, this is not always successful, and the lender has the final say in accepting the appraisal value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_after_a_home_appraisal\"><\/span>What happens after a home appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAfter a home appraisal, the appraiser will submit their report to the lender. The lender will review the report to ensure the property meets their lending standards. If the appraisal value meets or exceeds the agreed-upon purchase price, the loan process will continue as planned. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_the_appraisal_value_be_used_for_negotiations\"><\/span>Can the appraisal value be used for negotiations?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the appraisal value can be used as a negotiation tool. If the appraisal comes in lower than the agreed-upon price, buyers can use this to negotiate a lower purchase price with the seller.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_the_seller_get_a_copy_of_the_home_appraisal\"><\/span>Does the seller get a copy of the home appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTypically, the seller does not receive a copy of the home appraisal directly. However, sellers can request a copy of the appraisal from their real estate agent or the buyer (if they are willing to provide it).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_I_need_to_be_present_for_the_home_appraisal\"><\/span>Do I need to be present for the home appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile it is not required for the homeowner to be present during the home appraisal, it can be helpful to provide the appraiser with any information about upgrades or renovations that may not be immediately apparent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_be_present_during_the_home_appraisal\"><\/span>Can I be present during the home appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn some cases, homeowners may be present during the home appraisal to answer any questions the appraiser may have about the property. However, this is not necessary, and the appraiser can conduct the appraisal without the homeowner present.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_if_the_appraiser_finds_issues_with_the_property\"><\/span>What happens if the appraiser finds issues with the property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the appraiser finds issues with the property that affect its value, such as safety hazards or needed repairs, they will note these in the appraisal report. The lender may require these issues to be addressed before approving the loan.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a home appraisal? A home appraisal is an evaluation of a property conducted by a licensed appraiser to determine its market value. This value is used by lenders to ensure the property is worth the amount of money being borrowed. Who orders a home appraisal? Typically, the lender orders a home appraisal to &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What happens after a home appraisal?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-after-a-home-appraisal\/#more-241169\">Read more<span class=\"screen-reader-text\">What happens after a home 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-241169","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 after a home appraisal?<\/title>\n<meta name=\"description\" content=\"What is a home appraisal? 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