Getting ready for an appraisal from Josh Anderson Appraisals, INC.


	By law, you, as a borrower, are are entitled to obtain a copy of the finished appraisal report from the lender. Just give us a call at 3378536106 if you have any questions about the appraisal process.

To aid 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 available).
Records on the latest purchase of the property in the last three years.
Information on any written private agreements, such as a shared driveway with a neighbor.
List of personal property to be sold with the building.
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 your well.
Brag sheet that lists major home improvements and enhancements, the date of their installation and their cost (for example, the addition of central air conditioning or roof repairs) and permit confirmation (if available).
Find copies of the current listing agreement, broker's data sheet and, if the sale is "pending", the purchase agreement.
Any "Homeowners Associations" agreements or, if applicable, condo agreements or fees.
A list of "proposed" improvements if the property is to be appraised "as complete".

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

Here are some other recommendations:

Accessibility: Appraisers are very thorough in their inspections. You should make sure that all areas of the home are accessible, especially the attic and crawl space.
Housekeeping: Appraisers see hundreds of homes a year and are no strangers to clutter, but they're human beings too! A good impression can mean a better home value.
Maintenance: We generally suggest repairing small 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, be sure to ask your appraiser if there are extra things that should be done before they come. Some items they may recommend might be: installing smoke detectors on all levels and especially near bedrooms, ensuring there are electrical receptacles in every room and that each receptacle works, eliminating pull-chain lights in areas other than the basement or attic.