You have the option of contesting the value with the third party management company if the appraisal comes in lower than expected. We will handle this for you. An AVM (Automated Valuation Model) will be ordered. A search of all comparable sales will be completed to verify that no mistakes were made on the part of the appraiser. Any mistakes found will be submitted as part of a complaint. The new increased value will be used if our dispute is successful. Should the original value stand despite our efforts, you have the option of getting another appraisal (at a cost to you) or adjusting your loan amount to complete the transaction. Any changes to your loan amount or loan to value may change your pricing. You also have the option of canceling the transaction, but will not be able to recover the cost of the appraisal.