When you need a different appraiser, contact the lender before the assignment is finalized and cite any prior Reconsiderations of Value against them. Banks can only reassign before the deal is locked in, and you need documented reasons to avoid looking like you're trying to influence the appraisal value.
Now, how do you effectively decline an assigned appraiser due to personal issues or request not to be assigned to a specific appraiser due to past discrepancies up front? I would call the lender and tell them that if you've ever submitted a reconsideration of value, an ROV, on an appraiser, there is a good reason to let them know that, because it's not that their values were wrong, but we all know how humans work. If you never submitted though, okay, so I'm just going to go ahead and tell you the hard truth here. If you have an issue with an appraiser, but you never submitted a reconsideration of value, I don't think you have a leg to stand on because they're going to think you're on a personal witch hunt to hurt somebody, or they're going to think that you're trying to influence the value. You got to be very thoughtful because many of our appraisers are REALTOR® members., and there's a difference in a licensed appraiser and a certified residential appraiser. So you can request a certified residential appraiser. Just talk to the bank and say, hey, there's a fella by the name of Joe Bob over here, and I have submitted a reconsideration of value on Joe Bob's appraisal 2 times. I just don't think we have a name that's going to help us here. The bank can then get another appraiser, but you can't do it after the fact. To be upfront is my best advice on
