Serving Wake County, Durham County, Johnston County, Orange County and Chatham County
A leading provider of Clayton home values
Cell: 919-810-0033 for Patrick Jones
CLAYTON, NORTH CAROLINA -- A home appraisal is a critical piece of the multi-layered transaction involved in the sale, purchase or refinancing of a home. The appraisal can literally make or break a real estate transaction, which also involves the time and efforts of the seller, buyer, lender and real estate broker. It is a part of the process that should be respected in the ultimate success of the real estate deal. Raleigh-Durham Appraisals knows homes and the house selling process in Raleigh, Durham, Chapel Hill, Clayton, Cary, Apex and other cities in the Triangle Region and can provide some invaluable and helpful tips..
|Clayton residential appraisals
Homeowners should be aware of important details related to the appraisal process. The Raleigh-Durham home appraiser coming to your home is certified in North Carolina. The appraiser has completed required appraisal coursework (currently 200 hours for residential appraisers), spent a minimum of two years appraising under a supervisor and successfully passed a stringent examination before becoming certified on his or her own.
While at your property, the appraiser will measure your home, take exterior and interior photos, note the features and condition of your home, and discuss renovations or upgrades that you have made that may add value.
Most appraisers prefer to do all of their necessary work at the home with minimal interference and distractions. It is recommended that you do not follow the appraiser around the property. Some homes require dozens of measurements and meticulous note-taking and it's easy to lose focus while engaged in conversation. Any experienced appraiser will admit to having to sheepishly reschedule a second visit to a home because they forgot to take a photo of, say, the 1/2 bath, while answering questions. Appraisers definitely need the homeowners assistance with more information regarding the home or to point out upgrades, renovations or even deterioration, but it is best to save that time until after the measuring, photo taking and other inspection criteria have been completed.
After leaving your home, the appraiser will drive by and photograph homes in your subdivision or neighborhood that are likely candidates for comparable sold and active homes. In the office, the appraiser analyzes the data and composes the final report. To better assist the appraiser in his duties while on your property and to help with additional analysis when preparing the report, the following information, if available, prove to be helpful:
- A bullet list of major improvements and upgrades (i.e., new HVAC system or granite countertops, not cosmetic or general maintenance repairs), invoices or the approximate costs involved and, a critical item, approval permits from the city or county if additions or renovations were made;
- A survey of the lot if one is available;
- If a sale, a list of personal property to be left with the home (washer/dryer, refrigerator, etc.) agreed to in the offer to purchase contract;
- Details on any easements or encroachments that are tied to the property information on any HOA covenants or fees;
Additional helpful ideas:
- Appraisers need to inspect all areas of your home. Opening garage doors once the appraiser has arrived is helpful. Locks on crawl space doors and storage sheds should be removed or unlocked. Pets should be kept out of the way if they pose any threat. Dogs don't bite until there is a first time! Basements and attics should also be easily accessible for the appraiser.
- Make sure the appraiser has access to all bedrooms and bathrooms in the house and make sure any other resident of the house that is home during the inspection is aware of the appraiser's presence to prevent any surprises by all parties.
- It is not critical to have your house in spic and span shape but it does not hurt. Appraisers do not subtract for wet towels on the bed or dishes piled in the sink, but a clean home does make a better impression. Appraisers are required to adjust for non-cosmetic items such as broken windows, holes in the wall, etc., so it would be a good idea to have those more significant needed repairs taken care of prior to the appraisal inspection. If your loan is through FHA, appraisers are required to conduct an even more thorough inspection -- such as flushing toilets, running the HVAC system, checking the function of windows and electrical outlets -- so be aware of those requirements.
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