Real Estate in Oregon

Home Appraisals: How is it different than an inspection?


How do home appraisals differ from home inspections?

When you are comparing an appraisal and home inspections is realizing who they’re meant to help. A home inspection is used to protect a home buyer from ending up with a money pit of a home. An inspector is checking that there are no structural defects or other major problems with the home.

A home appraisal is really a protection for the lender. Making sure they don’t fund a home for more than it is actually worth. They’re also looking to access if there are any upgrades (i.e. granite vs. vinyl or hardwood vs laminate).


What a good real estate agent will do

Good real estate agents will have looked at comparable properties prior to listing the home so that home value the realtor has provided is dependable.  A good real estate agent will also give the information on the comparable properties to the appraisers. A good agent will also make sure that sellers have prepared the house to be in the best shape possible before the appraiser comes through.

What does it mean that my appraisal is contingent on repairs?

For certain loans such as FHA or USDA, there are certain areas of the home that have to be in working order.  Many times an appraiser will appraise, but ask for certain things to be fixed before final approval of value.  They give the lender time to have the seller fix these issues and then do a quick recheck.  Conventional loans allow appraisers to be the most lenient.

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