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Low or Inaccurate Appraisal? Ask About Reconsideration of Value | October 14, 2026
← Paul’s main website · Realtor & Builder Knowledge Center
Published October 14, 2026 · Buyers & Realtors
By Paul Singh, Senior Mortgage Advisor · NMLS #406332
Educational guide. Sources checked October 14, 2026. Publication today does not mean a rule changed today.
Start with the lender’s process
If you believe an appraisal contains errors or overlooks relevant information, ask the lender about a reconsideration of value, or ROV. Fannie Mae publishes borrower-initiated ROV guidance and explains that lenders provide the required process and forms. This is a review route, not a promise that the value will increase.
Separate facts from frustration
Identify the exact issue: an incorrect property characteristic, omitted information or a specific concern about the analysis. State where it appears in the report and explain why it matters. If you have potentially relevant comparable sales, organize the addresses, dates and supporting details rather than simply asking for a higher number.
Work through the proper channel
Submit the concern through the lender’s stated process. Ask about timing and the information required before sending a partial request. Fannie Mae’s published FAQ permits a maximum of one borrower-initiated ROV per appraisal report, so make the submission complete. Other loan programs can have different procedures.
What Realtors can contribute
Help the buyer gather accurate property information and relevant transaction evidence. Keep communications professional and focused on supportable facts. Appraiser independence matters: neither a contract price nor a desired loan amount justifies pressure for a target value. Ask Paul how the lender’s review fits with the buyer’s financing and contract timeline.
Sources and next steps
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CFPB: valuation independence
The practical checklists above are suggested discussion points. Agency guidance applies to the specified program; individual lender terms and eligibility can differ. Linked lender examples are educational references, not a statement that every listed program is available through Paul or an endorsement by a government agency.
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General education, not a commitment to lend, rate quote, approval or personalized financial, legal or tax advice. Loans are subject to credit, property and underwriting review and applicable availability. Paul Singh · NMLS #406332 · Petra Cephas Inc. · NMLS #1222300 · Mortgage broker, not a lender. Equal Housing Opportunity.