- Yep, I've seen the same thing—energy upgrades and certifications just don't translate into appraisal numbers unless you luck out with the right comps.
- Even when I’ve laid out detailed plans, spec sheets, and energy savings projections, it’s like appraisers are looking for square footage and granite countertops, period.
- The system’s lagging behind what actually adds value for people living there. Maybe in five or ten years, these features will matter more on paper... but right now, it's a tough sell.
- Only workaround I’ve seen is if you can find a niche lender who really gets it, but that’s rare. Otherwise, it’s basically cross your fingers and hope the next buyer cares.
Yeah, I’ve run into the same wall. Put in a high-efficiency HVAC, insulated everything, even did solar panels—none of it seemed to matter when the appraiser came through. They barely glanced at the utility bills I tried to show them. It’s frustrating, especially after sinking all that time and cash into upgrades that actually make a difference day-to-day. I get that they need comps, but sometimes it feels like they’re stuck in 2005. Maybe things will shift eventually... but right now, it’s just not reflected in the numbers.
Appraisal Came In Lower Than Expected—Now What?
Honestly, I’ve seen this play out a lot. The appraisal process just doesn’t keep up with energy upgrades, no matter how much sense it makes on paper. Here’s what I usually recommend: first, double-check the appraisal for errors or missed features—sometimes they overlook stuff like upgraded insulation or solar. If you spot anything, you can request a reconsideration with supporting docs (photos, receipts, etc). It’s not a magic fix, but I’ve seen it bump values up a bit. Otherwise, it’s mostly about waiting for the market to catch up... which is frustratingly slow. The comps system is stubborn—like trying to teach an old dog new tricks.
Appraisal Came In Lower Than Expected—Now What?
It’s wild how appraisers still don’t “see” the value in things like solar or triple-pane windows. I had a friend who spent a fortune on geothermal, and the appraiser just shrugged it off. Has anyone actually had luck getting an appraiser to adjust after showing them energy bills or HERS ratings? Or is it just wishful thinking at this point? Sometimes I wonder if we need a whole new system for green homes...
Appraisal Came In Lower Than Expected—Now What?
the appraiser just shrugged it off
Yeah, that tracks. I’ve tried handing over a binder with HERS scores, utility bills, the whole nine yards. Most appraisers just nod and move on. A few have told me unless there’s a direct comp with similar green features, their hands are tied. The system isn’t built for this stuff yet.
- Energy savings rarely get factored in.
- Solar panels? Maybe a tiny bump if you own them outright.
- Triple-pane windows? Good luck.
I’ve seen some lenders let you appeal and get a second opinion, but it’s hit or miss. Honestly, until Fannie/Freddie update their guidelines, we’re stuck in the past.
