Some helpful hints to save you time on your appraisal from The McPherson Company, LLC


	Did you know the borrower is entitled to receive a copy of the final appraisal report from the lender? Just give us a call at 8655318494 if you have any questions about the appraisal process.

To speed up the appraisal process, it's recommended to have these documents ready for the appraiser:

A survey or plot map of the property and building (if readily available).
Any records on the purchase of the property for the last three years.
Information on any written private easements, such as a shared driveway with a neighbor.
List of personal property to be sold with the building.
Any paperwork, such as a title policy with information on encroachments or easements 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 wells.
Brag sheet that lists 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".

When the appraiser arrives, you do not need to accompany them along on the entire site inspection, but you should be available to answer questions about your property and be willing to point out any home improvements.

Here are a few other helpful recommendations:

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 many of homes a year and will look past most clutter, but they're human beings too! A good impact can mean a better value for your home.
Maintenance: We generally suggest fixing minor things like leaky faucets, missing door handles and trim.
FHA and VA Inspection Items: If your borrower is trying to apply for either an FHA or VA loan, definitely ask your appraiser if there are additional things that should be done before they come. Some things they may recommend might be: having a banister on all stairways, where paint is peeling it should be removed and repainted, eliminating pull-chain lights in areas other than the basement or attic.