Appraisers are professionals who have been trained to look beyond clutter and assess the true value of the property, explains Albert Lee, founder of Home Living Lab. Appraisers are trained to bypass clutter. Lost clothes, scattered toys, unwashed dishes, unmade beds, cluttered closets, and other items that suggest you actually live in your home should not affect an assessment if they don't affect your structural integrity. Unless the amount of clutter begins to affect the structural condition of a home, it will not affect the appraisal.
The cleanliness of a home does not influence the value either. It's not uncommon for an appraiser to walk into a messy, messy home. Real estate appraisers are trained to bypass clutter and furniture and visualize the space as if it were empty. Does a Dirty House Affect and the Appraisal? No, a dirty house doesn't affect the appraisal.
The appraiser looks at square footage, number of rooms, etc. and not its decoration or cleaning. BUT if a house is absolutely dirty, it can be a sign, to the appraiser, of underlying problems with a home caused by lack of care and maintenance. This is because, unless your home is evaluated at least at the offer price, the lender may not approve the loan.
Some real estate professionals will tell you that appraisers are “only human and, as such, can't help but consider cleaning a home. On the day of the visit, but before entering the home, an appraiser will take photographs of the comparable properties and the property for sale and mark them on a map, and create a hand-drawn sketch of the building's exterior. To ensure that any appraiser who goes to a property gets the same valuation, appraisal forms have been created to eliminate any element that may be subjective. You probably had your home appraised when you first bought it, but if you're looking to refinance, you'll likely need to go through the process again.
A “normal level of dirt” will not affect the appraisal process or the final valuation of your home. You'll never have full control over what your home will be assessed, but you can take steps to increase your chances of pricing where you need it. Appraisers in most states use Fannie Mae's Uniform Residential Appraisal Report, a form that was created to ensure standardized reporting across the industry. As appraiser Ryan Lundquist of the Sacramento Appraiser Blog said a few years ago, there is a difference between “messy” (children left their toys on the floor) and “disgusting” (a dog has been using the basement floor as a toilet for months and they haven't cleaned it).
But if you're concerned about the value of your home, there's no reason you can't hire your own appraiser to come and write down areas of concern before you even put your home on the market. No legitimate appraiser will reduce an appraised value based on the normal day-to-day clutter of family life. If you don't know what the assessment consists of, you may feel a little nervous wondering how to prepare, especially if your house is crowded. The appraiser does not record if the carpet looks like it has been vacuumed today, if the house is dusty, if the windows have been washed, or any other aspect of basic cleaning.
Once you receive the file, the appraiser will obtain a blank copy of the Standard Uniform Residential Appraisal Report. A short section of checkboxes requires the appraiser to record if there are services such as a fireplace, fence, porch, garage, etc., but does not require the appraiser to record or comment on the status of these services. They won't make a difference when it comes to your appraisal, but plants will help your home look better and more organized. .