Who Orders the Home Appraisal?
By JC Pacific Corp Published 2026-09-01 Last professionally reviewed: September 2026
In a financed purchase, the lender generally orders the appraisal through a process designed to protect appraiser independence. The buyer usually pays the appraisal charge as part of the loan process.
Can the Buyer Choose the Appraiser?
Generally, the borrower does not personally select the appraiser for a lender-required appraisal. The lender or its authorized appraisal-management process handles assignment.
Can the Agent Speak With the Appraiser?
Agents may provide legitimate property information, including:
- Comparable sales
- Improvement details
- Permit information
- Property access
- Contract documents
- Relevant market information
No one should pressure the appraiser to reach a predetermined value.
What If the Buyer Wants a Second Appraisal?
A buyer may independently obtain another appraisal, but the lender is not automatically required to use it. The lender controls which appraisal satisfies its underwriting requirements.
Frequently Asked Questions
Does the seller choose the appraiser?
No, not for the buyer's lender-required appraisal.
Can the listing agent meet the appraiser?
Possibly. Access and communication should remain professional and should not improperly influence the value opinion.
Who receives the report?
The lender receives the appraisal, and borrowers generally have rights to receive a copy under applicable federal rules.
Helpful documentation is appropriate. Demanding a particular number is not.
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A note on legal advice: These guides provide general, educational information about California real estate practice. They are not legal advice and do not create an attorney-client relationship. Mortgage information is general education, not individualized lending, tax or legal guidance. For advice about your specific offer, contract, closing or financing, consult a qualified California real estate attorney and a qualified mortgage professional.