For Refinancers

Your refi appraisal is low. Fight it.

A bad appraisal kills rate locks, blocks cash-out, and keeps you paying PMI. Upload it; get a lender-ready ROV letter back in 24 hours for $149.

Start my ROV for $149See how it works →

Free analysis before you pay. No account needed.

The problem

Your lender's appraisal isn't the final number.

A low refi appraisal can wreck the entire deal. You might lose the cash-out you planned to pay down debt, stay stuck paying PMI because your equity stayed under 20 percent, or watch your rate lock expire while you scramble. Most homeowners don't know they can formally challenge that value with a documented Reconsideration of Value.

  • 01Your home needed to appraise at $475,000 to remove PMI, and it came in at $448,000.
  • 02The cash-out refi you planned is now $18,000 short because the appraiser missed your renovated kitchen.
  • 03Your rate lock has 14 days left and the comps the appraiser picked are all 90-plus days old.

How it works

From upload to ROV in under a day.

01

Upload your refi appraisal.

PDF in, free analysis out. No account, no credit card to see whether you have a case.

02

AI flags every weak comp and adjustment.

Master Appraiser AI checks the work against USPAP and Fannie Mae guidance, line by line.

03

Send the letter to your lender.

24-hour turnaround on the full ROV packet: letter, exhibit PDF, escalation draft, submission email.

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 formatted for your lender's desk review team
  • Comp exhibit PDF with adjusted price per square foot analysis
  • Escalation letter for a second appraisal request
  • Plain-English findings so you know the strongest arguments
  • Submission email with subject line and attachments list
  • All deliverables as PDFs, ready to email or upload

Compare your options

$149 to move the number. Less than one PMI payment.

 
Attorney
DIY
BESTWorthMore
Cost
$1,500 to $3,000
Your time
$149 flat
Turnaround
1 to 2 weeks
Days
Under 24 hours
Cites USPAP
Sometimes
No
Every letter
Works before rate lock expires
Usually no
Rarely
Yes
Includes escalation path
Extra fee
You figure it out
Included
Start my ROV for $149

Real questions, real answers

What you're probably thinking right now.

You're thinking

“I already paid the appraisal fee. This feels like double-paying.”

The appraisal fee got you the report. The $149 gets you the formal challenge to that report in the format your lender requires. Different work, different product, different outcome.

You're thinking

“My lender told me ROVs almost never work.”

Lenders say that about the ones they see most often: short, unsupported emails. A well-documented ROV grounded in USPAP and fresh comps moves the value in roughly 40 to 50 percent of real cases.

You're thinking

“I don't want to delay my closing.”

A valid ROV adds about a week. A failed refi costs you the rate, the cash-out, and a whole new appraisal cycle if you try again later. Do the math on which delay is worse.

Upload my appraisal

Frequently asked

The questions homeowners ask before they refinance again.

I already paid my lender for the appraisal. Why pay again?
The appraisal fee is for the appraiser's work. The $149 with WorthMore is for the formal challenge to that work, written in the exact format the lender's desk review team uses. You're not paying for a new appraisal; you're paying for the paperwork that gets the existing one reviewed.
Will a successful ROV actually lower my PMI?
If the revised value pushes you above 80 percent loan-to-value, yes. Many lenders will drop PMI on refi loans the moment the appraised value supports the math, often without a second appraisal.
My rate lock is expiring. Can this finish in time?
Turnaround is under 24 hours from upload. If your rate lock is days away, most lenders will grant a short extension when they see a documented ROV is in flight. Your loan officer has seen this before.
What if my lender just says no?
The package includes an escalation letter that formally requests a second appraisal. Per Fannie Mae SEL-2024-03, lenders may grant this at their discretion, and the data shows they approve when the documentation is tight.
Will challenging the appraisal delay my refi?
A well-documented ROV usually adds 5 to 10 business days. If your existing appraisal doesn't support the refi in the first place, the alternative is losing the deal entirely. A short delay is the cost of saving it.
What if I'm doing a cash-out refi?
Cash-out refis are where low appraisals hurt most. Even a $20,000 lift in appraised value can mean thousands more in available cash. The WorthMore analysis tells you exactly how much the number could move before you pay the $149.
Does my loan officer need to approve this?
No. You submit the ROV directly through whatever portal or email your lender uses for appraisal disputes. Loan officers appreciate a clean package; they don't gate it.
What if the appraisal is actually correct?
The free analysis tells you before you pay. If the comps check out and the math is sound, WorthMore won't pretend otherwise. $149 is only worth spending on a real case.
Do you handle all loan types?
Yes. Conventional, FHA, VA, and portfolio refis all use the same ROV framework. Every letter is grounded in USPAP and the agency guidance that applies to your loan.

Low appraisal this week. New number by next week.

Upload the PDF and see the free analysis in minutes. If you have a case, the full ROV package lands in your inbox inside 24 hours. Keep the rate. Keep the refi. Keep the cash.

Check my appraisal free
  • Refund if no letter delivered
  • Fannie Mae and Freddie Mac format
  • USPAP-grounded analysis