What is the process to dispute or challenge an appraisal, and what evidence matters?

How do I challenge a low appraisal?

You believe your home appraisal came in too low and want to know how to challenge the appraiser's value and what documentation might help your case.

Most lenders allow you to request an appraisal review or reconsideration of value if you believe the appraisal contains errors or missed important factors. The process typically starts by submitting a written request to your lender along with supporting evidence. Common evidence includes recent comparable sales the appraiser missed, documentation of home improvements or upgrades not reflected in the report, or corrections to factual errors like square footage or number of bedrooms.

Your real estate agent can help identify recent sales of similar homes in your neighborhood that sold for higher prices. Property tax records, permits for renovations, and receipts for major improvements like new roofing or HVAC systems can also support your case. Some buyers provide photos showing the home's condition or features that weren't adequately captured in the original appraisal.

The lender will review your evidence and may order a second appraisal, ask the original appraiser to reconsider their value, or determine the original appraisal stands. Share your concerns and documentation with your lender, and they can walk you through their specific reconsideration process and timeline.