¿Cuál es la mejor manera de manejar las disputas de evaluación?

This works every time for appraisal disputes. Before doing anything, have your realtor contact an appraiser they trust to share their opinion of your appraisal. Several things can happen. If the trusted 2nd opinion agrees with the appraised value, there's not much that can be appealed as it reflects market value using the rules all appraisers must use. If the 2nd opinion does not agree, ask them what they would do different, and center dispute around the items the 2nd opinion would dispute. Said differently, use the language and terms appraisers would use when you dispute an appraisal. This is what is most successful. If you don't use the language and terms of an appraiser when you dispute an appraisal, it rarely is successful.

Appraisal disputes are not always about value. An Appraiser is also an inspector for the Lender. They have the power to require that repairs (appraisal conditions) are made to the property before the appraisal value is met/passed. Now, in most cases, the Appraiser is only looking at major items & safety issues.They are not going to the level of detail that your home inspector would. Things like loose electrical wires, missing handrails, loose steps leaky roofs are some of the items that potentially can be flagged in an Appraisal. I once had an Appraiser flag 2-4 minor push pin holes (picture hanging) on a wall as "major wall damage" & requested the seller to repaint the entire house among other weird requirements. Yeah, it became a dispute.

The best defense is a good offense. Meaning do the work up front! As a Realtor, I thoroughly research the comparable properties for the community and prepare an analysis. I provide a detailed list of the upgrades to the properties-with the receipts to prove it, because appraisers know everyone likes to say everything is new-I like to prove it. I also share the Comparative Market Analysis that I previously prepared & used with the Seller to help establish the listing price. I include a detailed list of all the features of the home, the community, and area to ensure the Appraiser has all the information needed. I present this package to the Appraiser when I MEET THEM at the Appraisal Inspection or email in advance of the meeting. Good Luck!

Borrowers or agents can request the appraiser to review alternative comparable properties if think the properties better match the subject property. AMCs (appraisal management companies) have an appeal form that the loan officer can submit.

In my experience it is best to supply the appropriate information to the appraiser. Review previous bank appraisals on the property. Adjust the value possibly consider a legal action if the appraiser is off base.

There are NO expenses related to appealing the results of an appraisal. Most AMCs have appraisal appeal forms that are easily filled out. Providing comparable sales that refute the value conclusion are a must.