Free Tool
ROV Review Assistant
Work through your concern about a lending appraisal step by step, and organize the documentation your lender's Reconsideration of Value process will ask for.
This tool does not contact your lender or appraiser and cannot review your specific appraisal. Never contact the original appraiser directly to request a value change — submit reconsideration of value (ROV) requests only through your lender. Submitting an ROV does not guarantee the value will change.
Step 1
Was this appraisal ordered by a lender for a mortgage loan?
Purchase, refinance, or home-equity appraisals ordered through a lender.
ROV Evidence Checklist
What Fannie Mae's guidance says a borrower-initiated request should include — gather these before you contact your lender.
0 of 5 marked "Have"
Your Name & Property Address
Both are required identifying information for a borrower-initiated ROV request.
Appraisal Effective Date & Appraiser Name
Found on the appraisal report itself — your lender's process will ask for both.
Date of Your Request
Note the date you're submitting the request — ROV requests generally cannot be made after the loan closes.
A Clear Description of the Deficient or Unsupported Area
State specifically what you believe is incorrect or unsupported — not just that the value seems low.
Up to 5 Comparable Properties or Data Sources
Fannie Mae's guidance allows up to five comparable sales or additional data sources, each with a short explanation of why it supports your concern.
Saved privately in your browser only — nothing here is submitted to your lender or anyone else automatically.
Sources & Review Dates
- Fannie Mae Selling Guide B4-1.3-12 — Appraisal Quality Matters (Reconsideration of Value) — reviewed 2026-08-18
- Freddie Mac Single-Family Seller/Servicer Guide, Section 5604.4 — Reconsideration of Value — reviewed 2026-08-18
- CFPB, Federal Reserve, FDIC, NCUA & OCC — Interagency Guidance on Reconsiderations of Value (July 2024) — reviewed 2026-08-18