Do you need to be home for the appraisal visit?
Not always. Someone has to let the appraiser in and make every part of the home reachable, inside and out. That can be you, the listing agent, a tenant or a lockbox.
Does the owner have to be present during the inspection?
No, the owner does not always need to be there, as long as someone arranges full access to the home.
A standard appraisal for a one unit home on Fannie Mae's Form 1004 is based on an interior and exterior inspection by the appraiser. So the appraiser needs to walk through the inside and around the outside. On a purchase, the listing agent often lets the appraiser in. On a refinance, the owner usually does, though a trusted person with a key can too. If you want to be there, say so when the visit is booked.
What does the appraiser need to reach?
Every part of the property being valued.
That means living areas, bedrooms, bathrooms, the basement, the garage and any outbuilding on the lot. Unlock doors ahead of time, move anything blocking a hallway or stair, and make sure the lights work so rooms can be seen and photographed clearly. You do not need to stage the house. A tidy, reachable home is plenty.
How does it work when a tenant lives there?
The tenant usually handles access, so the owner or property manager needs to coordinate early.
A lease and local rules often set how much notice a tenant must get before anyone enters. Let the tenant know an appraisal is coming, share the appraiser's contact details, and confirm the appointment with both sides. Tenanted homes are often the slowest to schedule, because the person with the keys has the least reason to hurry. Clear, polite notice helps.
What about pets?
Secure them before the visit and mention them when the appointment is set.
A friendly dog can still stop a stranger at the door, and a cat can slip out. Crate pets, put them in a closed room the appraiser will not need, or take them out for an hour. Then tell the appraiser which door stays shut and whether that room still needs a quick look.
Can a vacant home be appraised with nobody there?
Yes, if the appraiser has a reliable way in, such as a lockbox code or a key left with an agent.
Double check that the code works, that utilities are on, and that any alarm is set to allow entry. Without a working code, the visit gets rebooked.
Quick answers
Can I talk with the appraiser during the visit?
Do I need to clean before the appraisal?
Can the buyer come to the appraisal visit?
- Who orders the appraisalWhy the lender picks the appraiser, who pays, and when you are free to choose.
- The appraiser has not calledWhat is usually happening behind the silence, and who to ask first.
- Appraisal timing in a purchase contractHow the appraisal fits inside contingency deadlines.
- How appraisal scheduling worksThe six steps from order to report, and where delays come from.
Sources
- Selling Guide B4-1.2-01, Appraisal Report Forms and Exhibits, Fannie Mae
- Regulation Z, section 1026.42, Valuation independence, Consumer Financial Protection Bureau
- What are appraisals and why do I need to look at them?, Consumer Financial Protection Bureau