One of the more common questions that we’re asked pertains to the home appraisal process. For people who have never been involved in an appraisal, it makes sense to ask the question — how long does a home appraisal take? At Starboard Financial, we recommend that our clients expect approximately 30 minutes or so for the in-home portion of the appraisal process to be completed. However, the amount of time it takes can depend on many factors, including the size of the home. Clients also want to know what else is involved during an appraisal, so here is some information that may help you get a better understanding:

Hiring A Qualified Appraiser 

At Starboard, it is part of our service to order the appraisals through licensed and experienced home appraisers for our clients to ensure compliance so that the home values are not corrupted. This is an important component of the home buying process, so we are diligent about having a qualified appraiser on the job. Once an appraisal is ordered, the final turnaround time can take anywhere from 3-5 days for a traditional loan. VA loans can take anywhere from 7-10 days.

Upgrades and Repairs

What can you do to help in the appraisal process? There’s really not too much other than making sure the home is in decent shape. Hopefully, you’ve kept photos and detailed expense records of any upgrades you’ve made over the years whether it’s a complete kitchen redo, new patio, finished basement, or new bathrooms, etc. Share this information with the appraiser because it may have a positive impact on the appraisal report.


One of the key elements of the appraisal process is the factoring in of comparable homes. An appraiser will typically take a tour of the neighborhood for additional research about homes that have sold in your surrounding community. If housing that is similar to yours has recently sold for above market value, you can consider that a good sign.

At Starboard Financial, we understand the importance of home appraisals to the real estate buying and selling process. If you have any more questions about how appraisals work or how they affect your mortgage loan, please contact us. Whether you work with our Gilbert, Arizona or Chicago, Illinois office, our goal is to help you get things done the right way.