Home Appraisal & Valuation Guide

Your rights and options when a home is appraised

Chapter 6: bias concerns

Know this

If you believe an appraisal was affected by your race, national origin or another protected characteristic, say so in a reconsideration of value request with your evidence. Lenders must make that process available to everyone. You can also file a complaint with the CFPB, and fair housing complaints with HUD.

Last reviewed against the primary sources listed below.

Steps

  1. Get your copy of the appraisal.
  2. Note specific concerns and evidence.
  3. Submit a reconsideration of value through the lender.
  4. File with the CFPB if unresolved.

Appraisal questions

What are the new VA appraisal requirements?

VA sets its own appraisal rules for VA loans; check VA's official pages or ask a VA lender.

Rules and official guidance

Next: organize your evidence