The short answer to this question is “no”. You may think this is an odd topic for a post but I get asked this question more than any other, and it is usually asked by the lady of the house. I normally take pictures of every room because it helps me to remember things about the house (in addition to my written notes), and more and more banks are requiring us to include interior photos in our reports.
I like to inform the homeowner that I will be taking pictures during the inspection so they can straighten up if they want to. That is when I get asked this question. I explain to them that the photos help readers of the report to know exactly what condition the home was in at the time of the inspection. The lenders are more concerned with the physical condition of the home such as holes in the walls or ceilings, etc. as opposed to whether a bed is made. This usually results in a sigh of relief. So don’t sweat it if an appraiser is coming to your home. If you don’t have time to make that bed or pick up the laundry it won’t hurt your appraisal value.