Product Disclaimer

WorthMore prepares Reconsideration of Value (ROV) letter packages based on information you provide and data extracted from your appraisal document. We are not licensed appraisers, real estate agents, or attorneys. Our letters are not guaranteed to change your appraisal outcome. Results vary based on your lender, appraiser, and local market conditions. We are not affiliated with Fannie Mae, Freddie Mac, or any lending institution.

Not Legal or Appraisal Advice

The analysis, letters, and documentation provided by WorthMore.ai are for informational purposes only. They do not constitute legal advice, appraisal advice, or professional real estate guidance. If your situation requires legal counsel, we recommend consulting a licensed attorney in your jurisdiction.

AI-Generated Content

WorthMore.ai uses artificial intelligence to analyze appraisal documents, identify potential errors, locate comparable sales, and generate ROV letters. While our AI is trained on appraisal standards including USPAP guidelines and Fannie Mae requirements, AI analysis may contain errors or miss nuances that a human expert would catch. You should review all generated documents before submitting them to your lender.

Comparable Sales Data

Comparable sales data referenced in our analysis is sourced from publicly available records and third-party data providers. We do not guarantee the accuracy, completeness, or timeliness of comparable sales data. Property values and market conditions change frequently. Always verify comparable sales with your own research or a licensed professional.

Fannie Mae ROV Process

WorthMore.ai references the Fannie Mae Selling Guide requirements that mandate lenders maintain a Reconsideration of Value process (effective August 2024). While lenders are required to have an ROV process, the outcome of any ROV request is at the discretion of the lender and appraiser. Per Fannie Mae SEL 2024-03, lenders are not required to order a second appraisal. An ROV request is an opportunity to present additional information — not a guarantee of a value change.

No Outcome Guarantee

We cannot and do not guarantee that your appraisal value will be changed, that your lender will accept your ROV letter, or that any specific outcome will result from using our service. Every appraisal dispute is unique. Your results depend on the specific facts of your property, the quality of the original appraisal, available comparable sales, and your lender's policies and processes.