E1R - Appraisals

How to Prepare a Property for an Appraisal

To help the appraisal go as smoothly as possible, we recommend you take the following actions and prepare the listed documents, if available, before we visit the property. Making sure the property is prepared before we will help us perform the appraisal.

Prepare the Property

  • Unlock all padlocks on the property.
  • Convey alarm codes or disable them for inspection.
  • Keep a leash on pets or remove them from the property.
  • Make sure all areas of the home are accessible.
  • Remove any snow, if necessary 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.
  • 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 the attic and crawl space, making areas accessible. (FHA/VA)
  • Safety equipment in the house is installed and working properly.
  • Replace light bulbs, so rooms have adequate lighting.
  • Remove photographs of people from every room.
  • Outbuildings such as garages, sheds, pool houses, cabanas, etc., must be accessible. (FHA/VA)
  • Ensure furnace and water heater are accessible.
  • Confirm heating and air conditioning are operational. (FHA/VA)
  • Ensure home appliances are unloaded, such as the dishwasher, washer machine, dryer, etc. (FHA/VA)
  • Address any exposed wiring in the living area and install faceplates covers if missing.
  • Repair small things like leaky faucets, missing door handles, and trim. (Recommendation) (FHA/VA)
  • Mow your yard and trim your bushes or trees (Recommendation)
  • Remove photographs of people from every room. (Underwriter requirement)

Documents to Have Available

  • A survey or plot map of the property and building (if readily available).
  • Copy of original house plans if available.
  • Records on the purchase of the property in the last three years.
  • Information on any written private agreements, such as a shared driveway with a neighbor.
  • A list of any personal property that is part of the home and you intend to be sold with the home, such as an oven or a washer and dryer.
  • Title policy that lists encroachments or easements.
  • 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 you are well.
  • 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 and permit confirmation if available.
  • If applicable, provide the condominium budget and year-end statement.

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