For homeowners, a real estate appraisal is the linchpin to buying or selling their home. It allows the property transactions to occur among the buyer, seller, real estate agent and mortgage lender.
Before an Appraiser arrives, there are a few things you should know. By law, an appraiser must be state licensed to perform appraisals prepared for federally related transactions. Also by law, you are entitled to receive a copy of the completed appraisal report from your lender.
To facilitate the appraisal process, it's beneficial to have these documents ready for the appraiser:
• A plot plan or survey of the house and land (if readily available)
• Information on the latest purchase of the property in the last three years
• Written property agreements, such as a maintenance agreement for a shared driveway
• List of personal property to be sold with the home
• Title policy that describes encroachments or easements
• Most recent real estate tax bill and or legal description of the property
• Home inspection reports, or other recent reports for termites, EIFS (synthetic stucco) wall systems, septic systems and wells
• Brag sheet that lists major home improvements and upgrades, the date of their installation and their cost (for example, the addition of central air conditioning or roof repairs) and permit confirmation (if available)
• A copy of the current listing agreement and broker's data sheet and Purchase Agreement if a sale is "pending".
• Information on "Homeowners Associations" or condominium covenants and fees.
• A list of "Proposed" improvements if the property is to be appraised "As Complete".
Once your appraiser has arrived, you do not need to accompany him or her along on the entire site inspection, but you should be available to answer questions about your property and be willing to point out any home improvements.
Here are some other suggestions:
• Accessibility: Make sure that all areas of the home are accessible, especially to the attic and crawl space. For FHA appraisals, the Appraiser must access the attic so having a ladder already set up would be very helpful.
• Housekeeping: Appraisers see hundreds of homes a year and will look past most clutter, but they're human beings too! A good impression can translate into a higher home value
• Maintenance: Repair minor things like leaky faucets, missing door handles and trim
• FHA/VA Inspection Items: If your borrower is applying for an FHA/VA loan, be sure to ask your appraiser if there are specific things that should be done before they come. Some items they may recommend might be: Install smoke detectors on all levels (especially near bedrooms); install handrails on all stairways; remove peeling paint and repaint the effected area; provide inspection access to the attic and crawl spaces.
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Divorce often comes with tough decisions—especially when it comes to dividing your largest shared asset: the home.
If you and your spouse are trying to keep the process as simple, fair, and affordable as possible, you may be wondering:
“Can we just use the same appraiser instead of hiring two?”
The answer is:
✅ Yes—you absolutely can.
And in many cases, it’s the smartest decision you’ll make during the property division process.
Using one mutually agreed-upon appraiser offers several advantages—especially in West Michigan where divorce-related real estate appraisals are common in areas like Grand Rapids, Ada, Rockford, and Kent County.
Hiring one professional instead of two can save hundreds of dollars. Divorce is already expensive—why double the appraisal cost if you don’t have to?
Having one neutral, third-party appraiser removes the “he said, she said” dynamic. Instead of battling over whose appraisal is more accurate, you both agree upfront to trust a single expert.
Coordinating one appraisal is faster than managing two separate reports, reviews, and potential rebuttals. It keeps the momentum going during an already difficult process.
If both parties agree on the appraiser and the process is documented properly, courts and attorneys generally accept the resulting valuation as credible and fair.
While using one appraiser is often a great solution, it may not be ideal in every situation—especially if:
The divorce is high-conflict or contested
One party doesn’t trust the other’s choice of appraiser
There’s suspicion of hidden renovations, uneven financial contributions, or disputed ownership
You’re already in litigation or trial
💡 In these cases, it may be better for each spouse to hire their own appraiser—and possibly bring in a third, neutral appraiser to resolve discrepancies.
If you do choose to work with the same appraiser, make sure they:
Have experience in divorce and legal appraisals
Are familiar with local real estate markets in West Michigan
Provide court-defensible, well-documented reports
Remain neutral and transparent throughout the process
Are comfortable working with both spouses and/or attorneys
🧠 Pro Tip: If both parties will be present for the inspection, let the appraiser know in advance and establish communication boundaries to maintain professionalism.
Agree on an appraiser together
Schedule the appraisal—both parties may attend, or just one
The appraiser inspects the home and reviews local market data
A detailed report is created with the fair market value
That value can be used in negotiations, mediation, or court
If the home will be sold, this helps you set the list price.
If one spouse will stay, it helps determine buyout amounts.
If neither of you want to deal with it, the value helps split equity cleanly.
Yes—you and your spouse can absolutely use the same appraiser in a divorce.
And if you're both looking for clarity, fairness, and fewer legal fees, it might be the best decision you make.
In West Michigan, couples going through amicable or mediated divorces often choose to work with one trusted appraiser to avoid unnecessary delays and disputes.
Just make sure you choose someone experienced, local, and familiar with the nuances of family law appraisal work. When done right, it’s one less thing to argue about—and one more step toward resolution.