close loans faster.
fix repairs fast.
The operating system for appraisal repairs — upload, match with a qualified handyman, track progress, and get 1004D certification. Built for loan officers.
How AppraisalFix Works
From appraisal upload to 1004D certification — streamlined and simple
Upload Appraisal
Drop your appraisal PDF — AI extracts every required repair automatically.
Match Handyman
Pick a qualified pro by ZIP, specialty, and availability. Or let us auto-match.
Repairs Done
Your handyman completes all repairs with timestamped before/after photos.
1004D Certified
Completion proof sent to appraiser. 1004D signed and returned digitally.
Every Repair Your Appraisal Needs
Our network of handymen can handle the repairs that show up on your appraisal report — no matter how big or small.
less chaos. more closings.
Stop losing deals to repair delays
Clear stages, qualified handymen, and automated 1004D certification streamline the typical multi-week repair cycle significantly.
One platform for the entire workflow
Upload, track, certify — replace scattered calls and emails with one operational system.
Real-time status for everyone
LOs, agents, homeowners, and handymen all see what's next.
Screened pros, dedicated support
Handymen on our platform go through a screening process. Our team is here to support you throughout the repair process and help resolve any issues.
Trusted by Mortgage Professionals
The go-to platform for resolving appraisal repairs fast
My closing was 3 days away and the appraisal came back with 5 repairs. AppraisalFix saved my deal — handyman was there the next morning!
I've used AppraisalFix for over 20 transactions. It's become my go-to for any appraisal repair issue. Fast, reliable, professional.
The 104D process used to be a nightmare — now it's handled seamlessly. My clients love the transparency and speed.
Everything you need to know about appraisal repairs
Appraisal repairs are one of the most common — and most frustrating — reasons a mortgage stalls before closing. Here's how the process works, what lenders require, and how AppraisalFix keeps your deal on track.
What is an appraisal-required repair?
When a home is appraised for a mortgage, the appraiser inspects the property against the lender's condition standards. If they find deficiencies, the appraisal is completed "subject to" those repairs being made.
Read the FHA appraisal repairs guideUnderstanding the Fannie Mae Form 1004D
The Form 1004D is the document an appraiser uses to certify that required repairs have been completed, turning an open repair list into a clear-to-close file.
Learn how Form 1004D certification worksFHA, VA, and conventional loans have different standards
FHA and VA loans follow stricter Minimum Property Requirements; conventional loans generally give the appraiser more discretion.
Compare FHA, VA & conventional rulesThe most common appraisal repairs we handle
Chipped paint, missing handrails, broken windows, roof leaks, plumbing leaks, GFCI outlets and more.
See the most common appraisal repairsRate-lock extensions
How repair delays interact with rate-lock deadlines and what to do before a lock expires.
Read the guideRepair escrow holdbacks
When repairs can't finish before closing, holdbacks keep the file moving.
Read the guideLoan officers workflow
How loan officers coordinate appraisal repairs from one operational system.
Read the guideLicensing & insurance
What licensed and insured professionals mean for lenders and borrowers.
Read the guidePost-appraisal closing timeline
From the repair list to clear-to-close: what happens and when.
Read the guide
ready to close your deal?
Submit your appraisal, pick a handyman, share progress with your borrower — and close on time with confidence.
No obligation · Dedicated support · Screened professionals