Aug 15, 2016 - 09:50 AM
If you have information or data you believe the appraiser should have considered (or should reconsider), as the buyer in a mortgage transaction you could provide that information, in writing, to your lender and ask them to forward it to the appraiser. The lender is not required to comply with such requests, but is legally able to do so without violating appraiser independence laws.
Whether you ask the appraiser to reconsider or not, if you believe an appraisal was performed improperly, you may submit a complaint to the applicable state appraiser regulatory agency. Although filing a complaint will not assist in facilitating your pending purchase transaction, it will allow the state to review whether or not the appraiser was acting properly in the development and reporting of the appraisal in question. For more information on filing complaints, you may visit the Appraisal Complaint National Hotline at: refermyappraisalcomplaint.asc.gov.