For Homebuyers

Your appraisal came in low. Don't lose the house.

Upload the appraisal. Get a lender-ready Reconsideration of Value letter in 24 hours for $149, written in the format your lender already expects.

Start my ROV for $149See how it works →

Free analysis before you pay. Used in 30+ states.

The problem

A low appraisal can cost you the house or cost you cash.

When the appraisal comes in below your offer, the lender will only loan against the appraised value. That leaves three bad options: bring more cash to closing, renegotiate with the seller, or walk away from the home you already picked out. A proper ROV is the fourth option most homebuyers never hear about.

  • 01You offered $540,000, it appraised at $510,000, and the lender now wants $30,000 more down.
  • 02Your rate lock is about to expire and every week you lose chips away at your budget.
  • 03The comps the appraiser used are from a different school district and 40 days older than they should be.

How it works

From upload to ROV in under a day.

01

Upload your appraisal.

Drop in the PDF your lender sent. No account, no credit card to see the analysis.

02

AI reviews every comp, adjustment, and citation.

Master Appraiser AI grounded in USPAP and Fannie Mae SEL-2024-03 finds what the appraiser missed.

03

Letter in your inbox in 24 hours.

Lender-formatted ROV letter, comp exhibit PDF, and a submission email you can send as-is.

What you get

Everything in your $149 ROV package.

Built for lenders, written in the format they expect, grounded in the rules that actually apply.

  • ROV letter written in Fannie Mae SEL-2024-03 format
  • Comp exhibit PDF with side-by-side adjustment analysis
  • Escalation letter for a second appraisal request
  • Plain-English findings report you can share with your agent
  • Submission email draft, ready to paste and send
  • Delivered as PDFs, ready to hand to your loan officer

Compare your options

What closes faster: $149 or another week of panic?

 
Attorney
DIY
BESTWorthMore
Cost
$1,500 to $3,000
Your time
$149 flat
Turnaround
1 to 2 weeks
Days of work
Under 24 hours
Format lender accepts
Usually
Rarely
Always
USPAP-grounded
Depends
No
Yes
Risk if denied
Legal fees lost
Back to zero
Escalation letter included
Start my ROV for $149

Real questions, real answers

What you're probably thinking right now.

You're thinking

“My lender told me ROVs never work.”

Loan officers say that to manage expectations, because most ROVs they see are short emails with no comps. A properly documented ROV grounded in USPAP moves the value roughly 40 to 50 percent of the time when the case is real.

You're thinking

“$149 feels like a lot when I'm already stressed about closing costs.”

Think about what the gap costs you. If your appraisal is $25,000 low and the lender wants that in extra cash, $149 to try to move the number is the cheapest math in the deal.

You're thinking

“Can't my agent just write the letter?”

Your agent is not a licensed appraiser and most won't cite USPAP, Fannie Mae SEL-2024-03, or the specific comp adjustment errors that actually persuade a desk reviewer. They'd rather forward you something that works.

Upload my appraisal

Frequently asked

Before you pay, here's what buyers ask.

Will my lender actually accept a letter from an AI tool?
Yes. The letter is written in the exact format Fannie Mae SEL-2024-03 and Freddie Mac Bulletin 2024-14 require from lenders. Your loan officer submits it the same way they'd submit one from an attorney. The AI is the drafting tool; you are the requester on record.
What if the ROV gets denied?
About half of ROVs that are well-documented succeed. If yours is denied, your $149 package includes the escalation letter that asks for a second appraisal, which lenders can order at their discretion per Fannie Mae guidance.
How fast can I get this?
Turnaround is under 24 hours from upload to delivered letter. If you're within 7 days of closing, the free analysis runs in minutes so you can see if you have a case before you pay.
What if I don't have time before closing?
A same-day request to extend your financing contingency or the closing date is usually granted when you have a documented ROV in motion. Your agent can draft that extension request while WorthMore writes the ROV.
Does the seller have to agree to anything?
No. The ROV is between you and your lender. The seller doesn't need to sign off or even know. If the appraised value comes up, you close at the original price without bringing extra cash.
What if the appraiser is right and my offer was too high?
The free analysis tells you that before you pay. If the comps support the low number and no math errors exist, WorthMore tells you straight. $149 is only worth spending when you actually have a case.
What happens to my earnest money if this doesn't work?
Your earnest money is protected by the appraisal contingency in your purchase contract. If the value can't be moved and you can't renegotiate, you can withdraw and recover your deposit. WorthMore's job is to give you the fourth option before you get there.
Can my agent or loan officer use this on my behalf?
They can, and many do. Forward the confirmation email to them. The letter is signed by you as the borrower, but the whole submission process runs through your loan officer.
Is $149 refundable?
Yes. If WorthMore can't produce a documented ROV letter for your case within 48 hours, you get a full refund. No questions asked.

You picked the house. Don't let one appraiser take it.

Upload the appraisal in under a minute. See the free analysis before you decide to pay. Walk into your next loan officer call with the letter in hand.

Check my appraisal free
  • 24-hour turnaround
  • Fannie Mae and Freddie Mac format
  • Full refund if no letter delivered