Gearing up for an appraisal from Sharon L White Appraisal Services, LLC


	By law, the borrower is are entitled to receive a copy of the completed appraisal report from the lender. Just give us a call at (402) 681-5503 if you have any questions about the appraisal process.

To speed up the appraisal process, it's helpful to have these documents 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 is part of the home and you intend to be sold with the home, such as an oven, or a washer and dryer.
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, septic systems and wells.
A list of any major home improvements and enhancements, the amount of their purchase and date of their installation (for example, the addition of energy efficiency upgrades or roof repairs) and permit confirmation (if available).
A copy of the current listing agreement with broker's data sheet and purchase agreement if a sale is "pending".
Any "Homeowners Associations" agreements or, if applicable, condo covenants or fees.
A list of "suggested" improvements if the property is to be appraised "as complete".

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

Here are some 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 aren't surprised at seeing a bit of clutter, but they're human beings too! A good impact can mean a higher value for your home.
Maintenance: We often suggest fixing small 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 extra things that should be done before they come. Some items they may recommend might be: putting smoke detectors on all levels and especially near bedrooms, scraping and repainting where there's paint peeling, fixing leaky or dripping faucets, replacing broken glass.