[quote=bearishgurl]flu, since you’re refinancing, don’t argue with the number as it’s not affecting anyone but you at this time. High is better than low. Just be glad it didn’t turn out too low for you to refinance. Be happy!

For your answer how the appraiser arrived at the number, you can look at the recent sales they used. If you paid for the appraisal, you are entitled to a copy of it.[/quote]

I actually have reasons why I want the appraisal to be lower…

The underwriter paid for the appraisal, and I have a copy. It seems like since there wasn’t exact comparables to mine on the market, the comparables they chose were “B” class homes versus my “C-” type home. In all though, I think it’s pretty strange that these things could still come in so off during these times when banks/lenders should/would be uptight. I guess it helped that I covered my rotting balcony deck with a blanket 🙂