I've contested appraisers, but never filed a complaint yet.

I'm old school though, I go for the horse head in the bed first,

then file a complaint 

I would not hesitate with that challenge....call for another VA appraisal... or a review of that one by a supervisor.... send your comps again and copy the supervisor ..... your lender can't help you with that.. who took the loan? get that person on it.... I'd be shaking the B'Jesus out of everyone....

Thomas J. Nelson, Realtor, CRS may be willing to loan you his horse head.

Not a VA appraiser, in fact they usually help us save our deals. Conventional financing appraisers oh yeah I've challenged them a few times. And had a couple that had been so arrogant that they refuse to see what was in front of their face but we just went back at them over and over until they caved.

Yes it was years ago for the same reason plus he was always intoxicated. You had to get the morning appts with the guy for him to be somewhat sober. The VA ended up doing nothing about it.

Never had to file a complaint, thank goodness

VA appraisals are tougher than most to get overturned and there have to be a lot of good reasons (ie appraiser bedroom count was wrong, square footage way off, comps in different school districts, etc).  Most areas have limited VA appraisers, so they're a bit more difficult to deal with.

No.

I do tell those seeking VA backed financing what will happen and that they must be prepared to make up the difference or find other financing.

If they protest, they get to look at more houses.

I will not allow the seller to be harmed by the financing a buyer chooses.

No, I have not. But no appraiser is obliged to come in at value. And whether a house is worth "more" can be considered an opinion.... unless it's totally clear that appraiser used all wrong comps. I've had same houses appraised three times with wildly different values... who was right?

I have not, but have challenged other appraisals. Some successful, others not.

No, but I have contacted the lender and asked for a second appraisal.

No I haven't but certainly would if I felt it was waranted

I have wanted to... but I have not.

You can also complain to the national appraisal board as they monitor things like this.

I have faced many a bad appraiser lately, and have found it goes easier of the loan officer an dor their manager assist in requesting a review. Then a complaint to the state licensing board is what I do

No. I was a VA appraiser many years ago.

Yes, we have requested that several of our lenders not use a certain appraiser. Was always coming in low, was rude to the people at the house and had comments from the appraisal management company stating lack of compliance, etc.

The appraisal industry is in dire need of new inspectors. A lot of them have retired or got out of the business due to now getting paid a lot less. The appraisal management companies take such a big chunk of the appraisal fee.

It also isn't fair to the buyers that pay a lot more for an appraisal because of the  cut the appraisal management company takes. 

The appraisal requests are put out to the appraisers to bid on and the lowest price one gets the order. Not a good system at all.  This was all done to protect the borrowers but it doesn't do that at all. 

2k? You should jump for joy about that!

We're getting appraisals 10-20k below value now!!!!

And yes I'm pissed off!!!

I have never made a complaint. We have challenged appraisals, though I can't recall if any were VA - I'm certain some where FHA.  What a bummer - good luck Mimi, I hope it works out.  $2000....sigh.  We just had one come in $1000 low.  We had the buyers and the sellers agreed to lower the price.  But $1k? Come on..-Kasey

I'm curious what the price of the property?

( 2k is like nothing for my hood). 

I've never tried but, gosh I'm interested in hearing more about Thomas J. Nelson, Realtor, CRS' strategy!!

No I have not had to do that.  We are often at the mercy of the appraisers.

I have challenged conventional and FHA appraisals, and I think a cash deal, but I can't recall challenging a VA appraisal.    I have never filed a complaint.

Appraisers  can sometimes be like a fly in a peaceful room...bzzzzzz

I do not accept VA loan. Accepted FHA loan for the first time the buyers were not qualified.  I sensed that listings goes back to the market.....

NO

I've never filed a complaint just files for a review and sometimes it's worked.

all the numbers very frustrating

Yes.  Had one who was a complete idiot who used a three year (and 200k lower) comp for one of my sales.  Reported him and filed a complaint with his boss.

I have not

Never have but almost did two years ago, he is always coming in low otheres say.

I have not.  That is not to say that I wouldn't.  

I've never filed a complaint, but anytime something comes in that far under, I usually try to find additional comps and see if I can fight it with more information.  Sometimes the lender will work with it, and sometimes they won't.  Good luck!

VA financing is not as common in my market as in others so I've never challenged or filed a complaint.  I'm sorry this happened to you, Mimi -- it certainly seems to be something that should be addressed.    

Mimi Foster - not many VA loans I have come across  - for sellers as well as buyers.

I have not but I have told a lender to gind a new appraiser or my client goes to a new lender.   One called my bluff.  We walked and got a guy that knew what he was doing.

No.

Barbara Todaro nailed this one!