The appraisal can make or break your sale. Here’s how to get ready
Once you’ve accepted an offer, the buyer’s lender will likely order an appraisal. This is a critical step that can influence whether the deal moves forward smoothly. If the appraisal comes in low, you could face delays or renegotiations.
While the appraiser makes the final call, there are things you can do to make a great impression and help your home shine.
Understand the Appraiser’s Role
An appraiser is a licensed professional hired by the lender to determine the home’s fair market value. Their job is to:
- Assess the home’s condition and features
- Compare it to similar recent sales (called “comps”)
- Provide an unbiased estimate of value
The lender uses this value to make sure the loan amount is justified.
Clean, Declutter, and Stage
A clean and tidy home shows better in person, and that applies to appraisers too. While they’re not judging decor, presentation still matters.
Before the appraisal:
- Deep clean all rooms, including windows and floors
- Declutter surfaces and remove unnecessary furniture
- Turn on lights and open blinds for natural light
Make it easy for the appraiser to walk through and take photos.
Highlight Upgrades and Features
Leave a printed list of upgrades and improvements you’ve made, including:
- New roof, HVAC, or windows
- Kitchen or bathroom remodels
- Flooring, paint, or landscaping updates
- Smart home features or energy-efficient additions
Include approximate dates and receipts if available. This helps the appraiser see value that might not be obvious at first glance.
Provide Access to All Areas
Make sure the appraiser can easily access:
- Garage and attic
- Backyard and storage sheds
- Electrical panel and HVAC system
Unlock any gates and remove pets if possible to make the visit smooth.
Share Helpful Comparables
If I have recent sales data that supports your price, especially for unique homes. I’ll prepare a package for the appraiser. They aren’t required to use it, but most appreciate the insight.
I’ll also be available to answer any questions or clarify property details.
Don’t Hover, But Be Available
Give the appraiser space to do their job, but feel free to:
- Greet them at the door
- Offer your list of upgrades
- Let them know how to reach you (or me) with questions
A professional but respectful approach goes a long way.
What Happens After the Appraisal?
The report usually comes back in 3 to 7 days. If it matches or exceeds the contract price, things move forward. If it comes in low, we’ll discuss next steps, which may include:
- Challenging the appraisal with additional comps
- Renegotiating the price or terms
- The buyer covering the difference in cash
Final Thoughts
You can’t control the appraiser’s final number, but you can influence how your home is perceived. Preparation makes a difference, and I’ll walk you through it every step of the way.
I’m Gary Owen, REALTOR® in Lubbock, TX. Want more tips to protect your sale and get top dollar? Follow me on social or join my email list for expert seller strategies and updates.
