Appraisals During the Home Buying Process in Queen Creek, AZ: What You Need to Know

What Is a Home Appraisal?

A home appraisal is an expert opinion on the value of a property, completed by a licensed third-party appraiser. It’s required by lenders during the mortgage process to make sure the home is worth the price you’ve agreed to pay.

In other words, it protects both you and the lender from overpaying.

When Does the Appraisal Happen?

Once your offer is accepted and you’re under contract, your loan officer at Brick Mortgage will order the appraisal. This typically happens after your home inspection and while your mortgage is moving through underwriting.

Don’t worry—you don’t have to coordinate the appraisal yourself. That’s our job.

What Can You Expect?

Here’s what usually happens:

• The appraiser visits the property

• They assess condition, size, upgrades, and recent comparable sales

• A report is sent to your lender (and shared with you)

• Your loan continues as long as the appraised value supports the purchase price

If the appraisal comes in lower than expected, don’t panic—we’ll guide you through your options and help with negotiations if needed.

Why This Step Matters

The appraisal isn’t just a hoop to jump through. It can:

• Help you avoid overpaying

• Ensure you’re not borrowing more than the home is worth

• Give peace of mind to both buyer and lender

It’s a smart part of a smart home loan process.

How Brick Mortgage Makes It Easy

At Brick Mortgage, we coordinate everything behind the scenes. We:
✅ Order your appraisal on time
✅ Work with appraisers who know Queen Creek
✅ Keep you updated through every step
✅ Help resolve issues if the appraisal value comes in short

We believe you should understand every part of your mortgage—not just sign papers and hope for the best.

📞 Buying a home in Queen Creek, AZ? Let Brick Mortgage walk you through the full process—from pre-approval to appraisal to closing. We’re your local mortgage broker, and we’ve got your back.