If you believe that the appraisal on your home has come in lower than it should have, you can submit a Reconsideration of Value (ROV), also known as a rebuttal. To submit a proper rebuttal for consideration, you need to provide up to 3 closed sales that the appraiser did not use that are as similar to your home as possible when it relates to size, age, condition, amenities, etc. These sales should be recently sold and close to your home (preferably in the same neighborhood). You want to avoid using home sales that are too far away to be considered the same neighborhood or area, much larger homes, or superiorly upgraded homes. Additionally, if the appraiser makes any factual errors as it relates to square footage, lot size, upgrades, etc., you want to include that in a write-up for review. It’s always best to stick to facts only when submitting a rebuttal and avoid opinions.