How to Prepare for an Appraisal

To help the appraisal go as smoothly as possible we generally recommend you take the following actions and prepare the listed documents, if available, for the appraiser.

Checklist:

  • Unlock all padlocks on the property.
  • Keep a leash on pets or remove them from the property.
  • Make sure all areas of the home are accessible.
  • Remove any snow that will prevent access to the property.
  • Verify lock box combination and access keys are accessible, and do not lock the storm door from the inside.
  • Safety equipment in house installed and working properly (including smoke alarms)
  • Replace light bulbs so rooms have adequate lighting.
  • Ensure furnace and water heater are accessible.
  • Address any exposed wiring in living area and install faceplates covers if missing.
  • Remove locks, furniture, clothing, boxes, or anything that may prevent entry to the attic, crawl spaces, furnace, and water heater. (FHA/VA)
  • Remove unneeded clutter from attic and crawl space so areas are accessible. (FHA/VA)
  • Outbuildings such as garages, sheds, pool houses, cabanas, etc. need to be accessible. (FHA/VA)
  • Confirm heating and air conditioning are operational. (FHA/VA)
  • Repair small things like leaky faucets, missing door handles, and trim. (Recommendation) (FHA/VA)
  • Ensure that any exposed wood, rotting wood, peeling paint on the exterior of the home are repaired/painted (FHA/VA)
  • Mow your yard and trim your bushes or trees (Recommendation)
  • Remove photographs of people from every room. (Underwriter requirement)

Documents:

  • A list of any major home improvements and enhancements (for example, the addition of central air conditioning or roof repairs). Please include the purchase and installation date, along with permit confirmation if available.
  • A survey or plot map of the property and building (if readily available).
  • Copy of original house plans if available.
  • Any recent changes in ownership (quit claim deeds)
  • Information on any written private agreements of HOA agreements, such as a shared driveway with a neighbor.
  • Title policy that lists encroachments or easements (if applicable).
  • Most recent real estate tax bill and or legal description of the property.
  • Any inspection reports, or other recent reports for termites, EIFS (synthetic stucco) wall systems, your septic system and your well.
  • If applicable, provide the condominium documents as well as the budget and year-end statement.
Download Checklist