{"id":13275,"date":"2026-03-09T17:01:29","date_gmt":"2026-03-09T21:01:29","guid":{"rendered":"https:\/\/www.classvaluation.com\/?p=13275"},"modified":"2026-03-09T17:01:29","modified_gmt":"2026-03-09T21:01:29","slug":"reconsideration-of-value-how-to-dispute-an-appraisal","status":"publish","type":"post","link":"https:\/\/www.classvaluation.com\/blog\/reconsideration-of-value-how-to-dispute-an-appraisal\/","title":{"rendered":"Reconsideration of Value: How to Dispute an Appraisal"},"content":{"rendered":"<p><span data-contrast=\"none\"><em>By Cristy Conolly<\/em><\/span><\/p>\n<p>If you\u2019re financing a home and the appraisal came in lower than expected, you may be wondering how to dispute a home appraisal and whether you have options. <span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In mortgage lending, the\u00a0formal process for challenging an appraised value is called a reconsideration of value (ROV). An ROV gives borrowers a structured way to request a review of the original appraisal report when they believe key information may have been overlooked. Through their\u00a0lender, borrowers can\u00a0submit\u00a0supporting documentation and ask the appraiser to review specific concerns about the report.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">An ROV\u00a0isn\u2019t\u00a0about pressuring an appraiser to change a number.\u00a0It\u2019s\u00a0part of the structured valuation process designed to ensure the appraised value reflects\u00a0accurate\u00a0property details, comparable\u00a0sales\u00a0and current real estate market conditions. When used correctly, the ROV process gives borrowers a fair opportunity to correct factual errors or provide relevant market data tied to the subject property.<\/span><\/p>\n<p><span data-contrast=\"none\">In our experience, the most effective ROV requests focus on verifiable data \u2014 not emotion or contract\u00a0<\/span><span data-contrast=\"none\">bias\u00a0<\/span><span data-contrast=\"none\">\u2014 and clearly explain why the original report may need review,\u201d says Cristy Conolly, EVP of Quality Control at Class Valuation.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In this blog,\u00a0we\u2019ll\u00a0explain what an ROV is, when it makes sense to\u00a0submit\u00a0an ROV request, how the process\u00a0works\u00a0and what to expect in the broader real estate and mortgage transaction.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><strong>When an ROV makes sense\u00a0<\/strong><\/h2>\n<p><span data-contrast=\"none\">An ROV makes sense when there is\u00a0clear evidence\u00a0that something in\u00a0the\u00a0<\/span><a href=\"https:\/\/www.classvaluation.com\/traditional-appraisal\/\"><span data-contrast=\"none\">appraisal<\/span><\/a><span data-contrast=\"none\">\u00a0may be inaccurate or incomplete.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The most common reasons include:<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Comparable properties that are not truly comparable to the subject property<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Adjustments that\u00a0don\u2019t\u00a0appear to align with market conditions<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Incorrect property details, such as square footage<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Missing upgrades or features that affect value<\/span><span data-ccp-props=\"{&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2 aria-level=\"3\"><strong>When an ROV\u00a0doesn\u2019t\u00a0make sense\u00a0<\/strong><\/h2>\n<p><span data-contrast=\"none\">Where ROVs tend to go wrong is when\u00a0they\u2019re\u00a0based on expectation rather than data. Simply needing a higher value to make a deal work is not a valid reason for a reconsideration\u00a0of value.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Another common misunderstanding involves renovations. Borrowers often assume that the cost of improvements directly translates to value.\u00a0In reality, appraisers\u00a0value homes based on what typical buyers in the real estate market are willing to pay, not just the contract sales price or the cost of upgrades. A $40,000 kitchen remodel, for example, may result in a much smaller adjustment, adding only $10,000 to the home\u2019s market value.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Finished basements are another frequent source of confusion. While they add value, they\u00a0generally cannot\u00a0be included in the gross living area or room count. They are valued separately, which can surprise borrowers unfamiliar with appraisal practices.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><strong>The Reconsideration of Value\u00a0process, step-by-step\u00a0<\/strong><\/h2>\n<p><span data-contrast=\"none\">While details vary by\u00a0<\/span><a href=\"https:\/\/www.classvaluation.com\/lenders\/\"><span data-contrast=\"none\">lender<\/span><\/a><span data-contrast=\"none\">, the\u00a0Reconsideration of Value\u00a0process\u00a0generally follows\u00a0this\u00a0path:<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Step 1:\u00a0Submit\u00a0a ROV\u00a0request through your lender\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">First, the\u00a0ROV\u00a0request must go through your lender.\u00a0Borrowers cannot submit reconsiderations directly to the appraiser or appraisal management company due to appraiser independence requirements.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Step 2: Gather supporting documentation<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">This may include:<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Recently sold comparable properties (not listings), including any comparable sale that may have been overlooked<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Corrections to property details<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Documentation of upgrades or features<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Market data that supports the request<\/span><span data-ccp-props=\"{&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Step 3: Lender review and appraiser response<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">The lender reviews the\u00a0ROV\u00a0request to ensure it\u00a0complies with\u00a0guidelines before sending the formal request to the appraiser.\u00a0The appraiser must consider the information and provide a thorough, supported response. A reconsideration does not guarantee a change in value, but it does ensure the information will be reviewed. In most cases, the appraiser will respond within a\u00a0set number\u00a0of business days, depending on lender guidelines and loan timelines.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">At Class Valuation, we have a dedicated team that manages every\u00a0<\/span><a href=\"https:\/\/www.classvaluation.com\/reconsideration\/\"><span data-contrast=\"none\">ROV request<\/span><\/a><span data-contrast=\"none\">\u00a0to ensure submissions are complete,\u00a0compliant\u00a0and clearly communicated. We do not accept generic responses. Appraisers are expected to explain their conclusions and address the information provided.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><strong>Preparing a strong ROV\u00a0<\/strong><\/h2>\n<p><span data-contrast=\"none\">If\u00a0you\u2019re\u00a0working with a real estate agent during your purchase or refinance transaction, focus on quality over quantity.\u00a0Recently sold comparable properties in close proximity are far more persuasive than listings or distant sales.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Price per square foot, while common in real estate conversations, is no<\/span><span data-contrast=\"none\">t how<\/span><span data-contrast=\"none\">\u00a0appraised value is\u00a0determined<\/span><span data-contrast=\"none\">.\u00a0Appraisers evaluate individual components of a property\u00a0through\u00a0line items\u00a0in\u00a0a detailed comparable grid, not a single price-per-square-foot calculation.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The goal is to provide relevant, well-supported information that truly reflects the market for the subject property.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><strong>How Class Valuation helps reduce unnecessary ROVs\u00a0<\/strong><\/h2>\n<p><span data-contrast=\"none\">At Class Valuation, avoiding unnecessary ROVs starts with appraiser\u00a0selection. Our panel includes\u00a0<\/span><a href=\"https:\/\/www.classvaluation.com\/appraiser-panels\/\"><span data-contrast=\"none\">thousands of appraisers nationwide<\/span><\/a><span data-contrast=\"none\">, supported by staff appraisers and our Class Elite Panel, both of which are top performers with deep local market\u00a0expertise.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Assignments are based on property type,\u00a0location\u00a0and appraiser performance, helping ensure credible valuations from the start. Every appraisal is also subject to quality control reviews that verify compliance with agency requirements, client guidelines, and data supporting adjustments and market conditions.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">This structured approach is designed to reduce preventable disputes and increase confidence for both borrowers and lenders.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><span data-contrast=\"auto\">What happens if the value still\u00a0doesn\u2019t\u00a0change?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335559738&quot;:280,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">If the\u00a0appraiser\u2019s\u00a0response\u00a0indicates\u00a0the value is supported, the next step may be an\u00a0<\/span><a href=\"https:\/\/www.classvaluation.com\/blog\/lenders-guide-to-appraisal-reviews-what-when-why\/\"><span data-contrast=\"none\">appraisal review<\/span><\/a><span data-contrast=\"none\">, an independent evaluation by another qualified appraiser. Only after that, and with proper support, could a second appraisal be considered.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">The takeaway is this: a reconsideration of value is designed to ensure accuracy \u2014 not to renegotiate a deal.<\/span><\/b><span data-contrast=\"none\">\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">When supported by clear data and relevant market evidence, it serves its intended purpose: protecting fairness in the valuation process.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.classvaluation.com\/contact\/\"><span data-contrast=\"none\">Contact us today for more information<\/span><\/a><span data-contrast=\"none\">.\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><em>As\u00a0EVP of Quality Control\u00a0at\u00a0Class Valuation, Cristy Conolly\u00a0is responsible for\u00a0the company\u2019s quality control strategy. She leads teams focused on accuracy, compliance, and continuous improvement, while collaborating closely with internal stakeholders and lender partners to\u00a0strengthen confidence, consistency, and compliance across valuation solutions.\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>By Cristy Conolly If you\u2019re financing a home and the appraisal came in lower than expected, you may be wondering how to dispute a home appraisal and whether you have options. \u00a0 In mortgage lending, the\u00a0formal process for challenging an appraised value is called a reconsideration of value (ROV). An ROV gives borrowers a structured [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":13276,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"categories":[73],"tags":[],"class_list":["post-13275","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Reconsideration of Value: How to Dispute an Appraisal | Class Valuation<\/title>\n<meta name=\"description\" content=\"Learn what a reconsideration of value (ROV) is, when it makes sense, and how to dispute an appraisal with the right supporting documentation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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