On-Site Visit Duration
- Standard homes: The physical inspection by an appraiser typically takes 30 minutes to 1 hour for most properties. Larger or more complex homes may require up to 2–3 hours.
- What happens during the visit: The appraiser measures the property, takes photos, notes the condition, and may ask questions about upgrades or features.
Full Appraisal Process Timeline
- From scheduling to report delivery: The entire appraisal process—from scheduling the appointment to receiving the final report—usually takes 6 to 20 days. In busy markets or for rural/complex properties, it can take up to 3–4 weeks.
- Breakdown:
- Scheduling: Usually within 48 hours after the lender orders the appraisal.
- On-site inspection: 30 minutes to 3 hours, depending on property size and complexity.
- Report preparation: After the visit, the appraiser researches comparable sales and prepares the report, which can take several days to a week or more.
Factors Affecting Appraisal Time
- Property size and complexity: Larger or unique homes take longer to appraise.
- Market conditions: High demand or a shortage of appraisers can extend timelines.
- Availability of comparable sales data: If comps are hard to find, the process may take longer.
- Appraiser workload: Busy seasons (spring/summer) can cause delays.
