Disagreeing with a property appraisal can be frustrating, especially when it impacts your financial decisions such as selling your home or refinancing your mortgage. However, you have options if you believe an appraisal is inaccurate. This blog outlines effective strategies for contesting a property appraisal, ensuring you are equipped to advocate for a fair evaluation of your property.

Steps to Contest a Property Appraisal

  1. Review the Appraisal Report Thoroughly Start by carefully reviewing the appraisal report to understand how the appraiser determined the value of your property. Check for any errors in the property details such as lot size, number of rooms, and the inclusion of upgrades or unique features. Mistakes in these areas can significantly affect the appraisal value.
  2. Gather Comparative Market Analysis Compile a list of recent sales of similar properties in your area. This comparative market analysis (CMA) can provide evidence that your property’s appraised value is out of line with the local market. Highlight differences and similarities that might not have been adequately considered in your appraisal.
  3. Solicit Expert Opinions Consulting with real estate professionals or hiring another appraiser for a second opinion can strengthen your case. These experts can provide insights and additional data that might have been overlooked or undervalued in the original appraisal.

Effective Communication and Formal Processes

  • Discuss Concerns with the Lender Reach out to your lender to express your concerns about the appraisal. Lenders have a vested interest in ensuring appraisals are accurate and may facilitate a review of the appraisal or order a new one if substantial discrepancies are found.
  • Formal Appeal If discussions don’t resolve the issue, consider a formal appeal. This usually involves submitting a written challenge to the appraisal, backed by your findings and supporting documents.


Contesting a property appraisal requires a well-prepared approach that includes thorough documentation, comparative analysis, and sometimes, additional expert opinions. By methodically reviewing the appraisal and gathering relevant market data, you can effectively challenge an appraisal that you believe does not accurately reflect your property’s value. Keeping communication lines open with your lender and following formal appeal procedures can further enhance your chances of a favorable outcome.