Some great hints to save you time on your appraisal from Michael Boyer Appraisal Service


	By law, you, as a borrower, are are entitled to obtain a copy of the finished appraisal report from the lender. Just give us a call at 5403200297 if you have any questions about the appraisal process.

To speed the appraisal process along as quickly 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).
Records on the latest purchase of the property in the last three years.
Written property agreements, such as a maintenance agreement for a shared driveway.
A list of any personal property that will be left behind and sold with the home, such as an oven, or a washer and dryer.
Title policy that describes encroachments or easements.
Most recent real estate tax bill and or 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.
A list of any major home improvements and enhancements, the date of their installation and their cost (for example, the addition of energy efficiency upgrades 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.
Any "Homeowners Associations" agreements or, if applicable, condo agreements or fees.
A list of "suggested" 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 you should be present to answer questions about your property and be willing to point out any home improvements.

Here are a few other helpful tips:

Accessibility: Appraisers are very detailed in their inspections. Make sure that all areas of the home are accessible, especially the attic and crawl space.
Housekeeping: Appraisers see hundreds of homes a year and are no strangers to clutter, but they're human beings too! A good impact can translate into a better value for your home.
Maintenance: We generally suggest repairing small things like leaky faucets, missing door handles and trim.
FHA and VA Inspection Items: If your borrower is applying for either an FHA or VA loan, be sure to ask your appraiser if there are specific things that should be done before they arrive. Some things they may recommend might be: installing 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, eliminating pull-chain lights in areas other than the basement or attic.