Not all contractors are the same. That's why Pearl only works with the highest quality contractors to form the Pearl Network. 

Not all appraisers are the same either. Some appraisers know how to properly value high-performing homes — others do not. Appraisers are hired by the lending institution, not the homeowner. If the bank is unaware of the unique, high-performing features of the home, they will usually select the appraiser with the lowest bid. But the lending institution is required to hire a qualified appraiser.

Every Pearl Certification is issued with the Letter to the Lender. 

This letter puts the lender on notice that the property is special, and they need to hire an appraiser with proper skills.

Refinance tips

Steps to ensure your high-performing home is properly valued when appraised:

Deliver the following Pearl-provided documents to your loan officer as soon as possible:

  • Letter to the Lender
  • Letter to the Appraiser
  • Certification Report (which includes the Appraisal Institute’s Green and Energy Efficiency Addendum).

The loan officer should then deliver all these documents to the lender’s appraisal department and they should be included in the scope of services performed by the appraiser.

Appraisers can search for Pearl-certified homes in Pearl’s Registry. Pearl’s Privacy Policy requires that a homeowner opt-in by giving Pearl permission to make the home visible to the public.

When scheduling the appointment with the appraiser, ask if they were informed that the home has high-performing features and if they received the Appraisal Institute’s Green and Energy Efficiency Addendum. 

Inform them that the home is Pearl Certified and offer to email them the Letter to the Appraiser so they can learn more about your home.

Don’t assume that the lender provided the documentation. You may also include receipts, invoices, and other information that can help the appraiser determine valuation.

They are hired by the lender, and their responsibility is to their client. If you feel that the appraiser did not take relevant information into consideration, contact your lender. 

There are ways to file a formal reconsideration of value when appropriate

Pearl is also a resource. We are working with some of the nation’s leading appraisers to develop additional guidance and best practices for the appraisal community.

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Contact us with questions and with your refinance successes.

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