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Also, appraisers do not have access to prior appraisals on a home unless a copy is given to them. Question. Do you have any other questions about who has access to an appraisal and how long the report stays with the property? If so leave a comment below and we’ll keep the conversation going. As always, thanks for reading and commenting.
Welcome to Appraisals, presented by USDA's Single Family Housing Guaranteed. The appraiser must report all observable property deficiencies,
How long is an appraisal good for? It can be used for a lending decision up to a year after completion, but in today’s challenging real estate environment, a lender might not want to go over six.
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A conventional Appraisal is only good for 120 days, FHA & VA appraisals are good for six months. However, lenders usually require the comps to be within a specific time frame that can vary depending on the property location. If the comps expire a lender may ask for updated comps which can affect the value.
On the flip side, when market conditions are stable and home values are relatively unchanging, a lender may be more inclined to accept an older appraisal for the purposes of a home refinance or home equity line of credit. Source: (Andres Jasso/ Unsplash) Special loans: How long are FHA and VA appraisals good for?
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How Long Does it Take to Get a House Appraised? Unless you are paying cash for your new home, you’ll need a home appraisal conducted before the lender will approve your loan. That makes sense, as no lender is going to let you borrow more money than a property is worth.
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