The appraiser has not called to schedule yet

Yes. A gap after the order goes in is common and usually harmless.

Before your phone rings, the lender has to place the order, the appraisal management company has to offer it to an appraiser, and an appraiser has to accept it. Only then does anyone reach out to set a time. Each handoff takes time, and you see none of it.

Start with your loan officer or loan processor, because the order sits on the lender's side.

The lender can usually see whether the order has gone out, whether an appraiser has accepted it, and whether a visit is already booked. A short, friendly message such as "Has the appraisal been assigned yet?" is enough. If you are buying, check with your own agent too. The scheduling call often goes to the listing agent, and the appointment may already be set without you knowing.

Usually because only a few appraisers can take the job.

Fannie Mae's Selling Guide asks lenders to use appraisers who know the particular area and property type, and who have access to local data sources. That helps accuracy but narrows the list. Rural homes, unusual properties and busy seasons shrink it further. When nobody accepts, the order is offered again, and many delays begin in that loop.

Possibly. The appraiser calls whoever is listed as the access contact.

On a purchase that is often the listing agent. On a rental it may be the tenant or a property manager. Also check missed calls from unknown numbers, voicemail and your spam folder. Wrong contact details can cost a few days, and they are one of the easiest delays to fix.

Have access details and a few basics in one place so you can say yes to the first workable time.

Know who holds the keys, any gate or lockbox codes, and whether pets will be home. Keep a short list of recent updates and permits nearby. If a date is being held for you, confirm it fast. Nothing else you do helps as much. If the wait starts to press on your rate lock or contract dates, let your lender and agent know early so they can plan around it.