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Old 06-20-2013, 01:58 PM
 
Location: Wisconsin
18,789 posts, read 19,706,769 times
Reputation: 47523

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We are refinancing our condo and just learned that they need an appraisal. They said that they will need to take photographs of all of the rooms and the basement. We have refinanced at least twice before and they didn't do a home inspection those times. We have lived in the condo 28 years.

What are they looking for? Do they need that to see the condition of the woodwork, carpets, general upkeep or what? Since it is a condo the basic framework, exterior, and land is the same as all of the other condominiums in the complex.

I'm a little embarrassed but caring for a disabled relative, combined with my own health needs means that our condo is not "white glove perfect" in fact far from it. Will it matter that the house is cluttered (not "hoarding" cluttered just "lived in" cluttered)? Should we try to do a whirl-wind clean up or doesn't it matter?

Please advise. Thanks.

Last edited by germaine2626; 06-20-2013 at 02:50 PM..
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Old 06-20-2013, 02:25 PM
 
3,029 posts, read 7,596,123 times
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Different lenders have different requirements. They don't care how messy it is, how your furniture looks, etc.. Just that the unit itself is in the same condition as stated in the appraisal.
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Old 06-20-2013, 07:55 PM
 
Location: OK
2,764 posts, read 6,780,133 times
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Another reason for taking pictures is to jog my memory. As a rural appraiser I do several inspections in 1 day so I take photos of all kinds of things such as flooring and other detail.

I always tell the home owner that I am not with Good Housekeeping and as long as I can see the floor and the walls I am good.
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Old 06-20-2013, 07:58 PM
 
Location: North Beach, MD on the Chesapeake
35,870 posts, read 46,031,168 times
Reputation: 46591
They may also measure the rooms.
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Old 06-20-2013, 10:11 PM
 
Location: Wisconsin
18,789 posts, read 19,706,769 times
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Quote:
Originally Posted by North Beach Person View Post
They may also measure the rooms.
Good point. Since it is a condo we still have the original brochure that has all of the measurements and type of doors, woodwork, tile, etc. (of course we bought the condo almost 30 years ago so I'm hoping that it is still in the file).
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Old 06-27-2013, 12:30 PM
 
Location: Wisconsin
18,789 posts, read 19,706,769 times
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Just an update.
We were able to unclutter a bit before the appraiser came. She was very nice and said that almost everyone had a basement or room that was cluttered so I shouldn't worry about it.

One thing that I wished didn't happen. The day before she came I had to take my husband to the hospital & was there for hours and hours so we missed taking our dog on his usual long evening walk. Just as the appraiser was finishing and leaving (early the next morning) I noticed a huge dog poop on the carpet sort of behind the couch and I'm sure that she noticed it, too. I hope that doesn't get in the appraisal report.

Arrggg!!!
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Old 06-27-2013, 06:52 PM
 
496 posts, read 465,005 times
Reputation: 1310
Life happens.

I wouldn't worry about the appraiser mentioning Fido's indiscretion.
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Old 06-27-2013, 07:12 PM
 
28,461 posts, read 75,173,060 times
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Default Photos are for documentation purposes!

There were cases in the past where unscrupulous appraisers did not visit the property / properly account for the basics of room count. You won't get dinged for not cleaning the place nor do your get any "bonus equity" for being an OCD clean freak...
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