Preparing for a Real Estate Appraisal: Key Steps
An appraisal is an independent valuation required by lenders to confirm that the amount you’re borrowing reflects your property’s market value. It differs from a home inspection; instead of evaluating every mechanical system, the appraiser focuses on the home’s overall condition, location, size and recent comparable sales to determine a fair market value.
Keep a file of upgrades and improvements such as kitchen remodels, new roofs, solar panels or earthquake retrofits, and have receipts and permits handy. Make sure the appraiser can access every area of the property including the attic, garage and any accessory dwelling units (ADUs) so they can account for the full living space and special features.
It’s also wise to research recent comparable sales in your neighborhood and share details about unique amenities with the appraiser. In California, factors such as seismic safety measures, fire‑resistant landscaping and water‑use compliance may boost value, so be prepared to point them out. On the day of the visit, declutter and clean so the appraiser can focus on the home’s assets without distraction. While you can’t control market conditions, thoughtful preparation ensures the final appraisal fairly reflects your home’s strengths.