You should get a copy of the appraisal report from the lender.. It’s highly subjective based on the the apraiser’s determination of what a “comparable” property to yours was. I had my appraisals swing over a $200k spread between the two times I did a a refinance within a year, simply because the “comparable” of what was used in the appraisal was just so out there….The report will tell you exactly which homes were used as the “comparables” in determining your valuation.
