The process of selling your house can be a very stressful time and having the right professional to do the job is going to make the difference between a quick sale and a long term sale that are hard on your pocket. There are a number of different people who can do an appraisal for you but how do you know that they are going to give you an appraisal that you can actually use? There are a number of ways that an appraisal certificate can be issued. Here are a few things to know about when it comes to the process of getting the appraisal certificate:

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First the certificate is issued by the seller before the home is put on the market. This gives the new owner three months to fix any problems with the property. If there are any issues the new owners have a period of up to sixty days during which to repair the problem and then the certificate is renewed for another three months. During this time the home is inspected by the appraiser and the report is given back to the seller. The appraisal certificate provides the buyer with the value of the property at the current market value.

 

Second the certificate only covers certain areas of the home. So, if there are structural problems the appraisal will not cover them. If there is major plumbing issue the appraisal won't cover it either. So, when you see an appraisal certificate it's important to know exactly what it covers. It's also important to know if the certificate was paid out of your listing funds or if it came from a separate listing fund.

What the Appraiser Would Be Looking For When Reading Your Property's Assessment

 

Third, if the appraiser doesn't find a major problem with the home the appraiser may send the seller a second appraisal which is usually less in value. If the issue continues after this second appraisal the seller may bring the matter to the attention of the county attorney. The county attorney will do a thorough investigation and will likely file suit against the seller. The county can then take over the problem.

 

So what do home owners do when their home has had an appraisal done? The first step is usually to try to get the appraisal reversed. In most states this is not a feasible option as the laws governing appraisals are very complicated and subject to interpretation. So the first step is to try and get the property re-evaluated by another appraiser who will most likely find something different than the previous appraisal.

 

This is a long and complicated process. But the first step is to get the home re-evaluated by another appraiser who will probably charge more. You need to convince the appraiser that the value of the home is much lower than the one they originally gave it. If this sounds like an impossibility the best thing to do is to ask for a change in appraisal. The appraisal should be changed to reflect a lower price.

 

The second step is to hire a lawyer to represent you before the court. You should hire someone with experience in appealing appraisal cases so that you have someone on your side who knows what to say in court. But this does not mean you should pay a lawyer to win the case for you. If you have the money available you can simply hire an expert appraiser who will make sure the home inspection is fair and square. You can also request that the appraiser be allowed to enter into the premises (to see the interior and exterior) so that the property can be inspected from top to bottom.

 

There are other things homeowners can do to protect their investment. Home owners can get the help of a lawyer who will help them draw up the paperwork. But the best thing to do is to learn everything you can about how an appraisal is done and then prepare yourself to fight back. You may not win the first time but there is a good chance that you will. With a little preparation and a lot of know how home owners can have their home evaluations redone by their home owners association and save a ton of money in the long run.

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