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Appraisals By Michael's Appraisal To-do List

By law, you, as a borrower, are entitled to obtain a copy of the final appraisal report from the lender. Just give us a call at 404-955-9997 if you have any questions about the appraisal process.

To make your appraisal process go as smoothly as possible we generally recommend to have these documents, if available, ready for the appraiser:

  • A plot plan or survey of the house and land (if readily available).

  • Any records on the purchase of the property for the last three years.

  • Written property agreements, such as a maintenance easement for a shared driveway.

  • List of personal property to be sold with the home.

  • Any documents, such as a title policy with information on encroachments or easements encroachments or easements.

  • A bill for your most recent real estate taxes which should also contain a legal description of the property.

  • Home inspection reports, or other recent reports for termites, EIFS (synthetic stucco) wall systems, your septic system and your well.

  • Brag sheet that lists major home improvements and upgrades, the amount of their purchase and date of their installation (for example, the addition of central air conditioning or roof repairs) and permit confirmation (if available).

  • Find copies of the current listing agreement, broker's data sheet and, if the sale is "pending", the purchase agreement.

  • Information on "Homeowners Associations" or condominium covenants and fees.

  • A list of "proposed" improvements if the property is to be appraised "as complete".

When the appraiser arrives, you do not need to accompany them along on the entire site inspection, but generally you'll want to be present to answer inquiries about your property and identify any home improvements.

Here are a few other helpful suggestions:

  • Accessibility: Appraisers are very meticulous in their inspections. We recommend that all areas of the home are accessible, especially the attic and crawl space.

  • Housekeeping: Appraisers see hundreds of homes a year and will look past most clutter, but they're human beings too! A good impression can mean a higher value for your home.

  • Maintenance: We often suggest repairing minor things like leaky faucets, missing door handles and trim.

  • FHA and VA Inspection Items: In the case of your borrower trying to apply for either an FHA or VA loan, we strongly recommend to ask your appraiser if there are specific things that should be done before they arrive. Some items they may recommend might be: having a banister on all stairways, ensuring there are electrical receptacles in every room (note: GFI outlets are no longer required) and that each receptacle works, repairing any faucets that leak or drip, replacing broken glass.

 

Contact us today so that we can start on your home appraisal in Atlanta.

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