Your appraisal
came in low.
Fight it.
Upload your appraisal and we'll find every error, gap, and weak comp — then build the documentation to challenge it.
Free to start. 90 seconds. No account needed.
Check your appraisal
Drag and drop your PDF here · up to 25MB
Four steps
How It Works
Upload to findings in 90 seconds. Full ROV in under 20 minutes.
Upload your appraisal
- •Free to upload — no account needed
- •12 specific areas checked for inconsistencies and errors
See your findings
- •Instant results — no waiting
- •See what’s dragging your value down
- •Upgrade to get the full breakdown for your ROV
Challenge This Appraisal.
Get the right comps
- •We suggest comps where we can
- •Clear search guidelines for Zillow or Redfin
- •Each comp graded as you upload it
142 Birchwood Ln · 1,840 sq ft · 0.3 mi
Strong Match89 Ridgecrest Dr · 2,410 sq ft · 1.8 mi
Weak — 31% largerSend your ROV
- •ROV letter and comp analysis generated for you
- •Send to your lender and get started
- •Escalation letter ready if the appraiser doesn’t budge
Upload your appraisal
- •Free to upload — no account needed
- •12 specific areas checked for inconsistencies and errors
See your findings
- •Instant results — no waiting
- •See what’s dragging your value down
- •Upgrade to get the full breakdown for your ROV
Challenge This Appraisal.
Get the right comps
- •We suggest comps where we can
- •Clear search guidelines for Zillow or Redfin
- •Each comp graded as you upload it
142 Birchwood Ln · 1,840 sq ft · 0.3 mi
Strong Match89 Ridgecrest Dr · 2,410 sq ft · 1.8 mi
Weak — 31% largerSend your ROV
- •ROV letter and comp analysis generated for you
- •Send to your lender and get started
- •Escalation letter ready if the appraiser doesn’t budge
Trained on Fannie Mae, Freddie Mac, and USPAP standards.
What homeowners say
Real results
Nashville, TN
I was shocked when the appraisal came in… I heard about WorthMore and uploaded my appraisal. I had to use the ROV letter and the escalation letter but it worked. The second appraisal just came in at $970,000. Thank you!
— Daniel M.
Fought a Low Refinance Appraisal
$170,000
Original appraisal: $800,000 · After escalation: $970,000
Published research
The appraisal problem, in numbers.
Published research on how often appraisals miss the mark — and what happens when you push back.
DIY success rate
<5%
Without professional help or structured documentation.3
With data-backed prep
~24%
Success rate when disputes include structured comp analysis.4
One shot. No second chances.
1
Federal guidelines allow one ROV per appraisal, maximum five comparable sales. The letter has to be right the first time.
These figures reflect published research. Individual results vary. 15.2% of purchase appraisals come in below contract price (Fannie Mae). For most buyers, that kills the deal.
Your rights
Federal law gives you the right to dispute.
Federal guidelines allow one Reconsideration of Value per appraisal, with a maximum of five comparable sales. There is no second attempt. The letter has to be comprehensive and factually airtight the first time — which is why vague complaints almost never work.
Under Fannie Mae Selling Guide B4-1.3-12, lenders are required to process every ROV submission. The appraiser must respond with a revised report that includes specific commentary explaining their conclusions — even if the value doesn’t change. A factual, well-documented submission forces a response.
It’s a documented process — not a complaint, not a negotiation. As of 2024, Fannie Mae and Freddie Mac require every lender to have an ROV process and to tell you about it upfront. Regulation Z 1026.42 explicitly permits borrowers to ask appraisers to consider additional, appropriate property information.
FHA Mortgagee Letter 2024-07 established an ROV process for FHA loans — but it was rescinded in March 2025. If your loan is FHA, there is no standardized federal ROV process. Your rights depend on your specific lender’s policies. WorthMore handles both conventional and FHA loans.
You can ask your lender to order a second independent appraisal. They are not required to say yes — but a well-documented challenge makes it hard to say no. Note: under Fannie Mae guidelines, a borrower cannot demand a second appraisal as a right. Escalation is lender discretion. A strong first ROV is your best leverage.
Your options
Attorneys charge $500–$2,000.
We charge $149.
Most ROV attempts fail because the documentation is weak. Here's what each path gives you.
| WorthMoreRecommended | Attorney | 2nd appraisal | DIY / agent | |
|---|---|---|---|---|
| Cost | $149 free to start, pay after review | $500–$2,000 hourly billing | $350–$700 paid upfront | Free hours of your time |
| Timeline | Under 2 minutes | Days to weeks | 2–4 weeks | Hours of work |
| ROV letter | ✓ Written for your property, citing USPAP + Fannie Mae | ✕ not their specialty | ✕ new opinion only, no letter | You write it no USPAP training |
| Comp analysis | ✓ We identify the strongest comps | ✕ | New appraiser picks their own comps | Agent may help |
| Lender-ready | ✓ Submit same day | ✕ | ✕ | ✕ |
| Success rate | ~24% with structured comp analysis | Varies | Lender may not accept | <5% |
~24% figure from Dwellworks ROV data. Individual results vary.
The 76% that fail
Why most ROV letters don't work
Only 24% of reconsideration requests change the value. The ones that fail share the same three mistakes.
Mistake #1
Vague complaints
Saying the value seems low is not grounds for reconsideration. Appraisers must respond to factual data — not opinions. Every claim needs a specific comparable sale with address, price, and date.
Mistake #2
Wrong comparable sales
Comps that are too far away, too different in size, or outside the six-month window give the appraiser an easy reason to dismiss them. GSE guidelines define exactly what makes a comp valid. Most homeowners don’t know the criteria.
Mistake #3
Mentioning a target value
Telling the appraiser what number you want can get your ROV dismissed outright. The letter must present facts only — specific comps, specific errors, specific standards violated. The data makes the case. Not the ask.
WorthMore builds your ROV letter against these criteria — citing Fannie Mae B4-1.3-12 and the comparable sales your appraiser missed.
Pricing
One shot to dispute your appraisal.
Make it count.
Start Free
See if your appraisal is worth fighting.
- Upload your appraisal PDF — takes 30 seconds
- AI scans it against Fannie Mae and Freddie Mac guidelines
- Checked across 12 USPAP violation categories
- Get your dispute score in under 2 minutes
- Plain-English summary of every error found
- See your estimated value gap
Complete Dispute Package
Everything you need to fight your appraisal.
- Full Reconsideration of Value (ROV) letter — written for your property
- Line-by-line adjustment review with every error documented
- Better comparable sales identified with supporting data
- USPAP compliance analysis citing specific standards
- Lender-ready packet you can submit directly
- Built on the same methodology state regulators use
Only pay if your appraisal has issues worth fighting.