Appraisal Review And Desk Review

After an appraisal comes in, a lender can review it for quality and value, and you can ask for a second look. Here is how desk reviews, field reviews, and reconsiderations work.

Lenders review appraisals for quality A desk review checks the report A field review adds a property visit Automated tools flag possible issues You can request a reconsideration of value New comparable sales support an ROV The review happens before an ROV An ROV is not allowed after closing Appraiser independence rules apply The lender stands behind the value
Quality is checked Desk and field reviews Request a second look Before the loan closes

How an appraisal gets reviewed

The checks behind the value

  • A desk review of the appraisal report by an expert
  • A field review with a second appraiser’s inspection
  • Automated checks that flag possible overvaluation
  • A reconsideration of value you can request
  • New comparable sales to support a different value
  • Appraiser independence rules that govern the process
A person standing in front of a brick home being appraised

Appraisals are reviewed

A desk review checks the report

A field review adds a visit

You can request an ROV

New comps support your case

We manage the process

What An Appraisal Review Is

A quality check on the appraised value

An appraisal review is a check on the appraisal that came back on your home. Before relying on the value, a lender can have an expert review the report, and automated tools can flag a value that looks too high or a quality issue that needs a second look.

There are two main kinds. A desk review is a second expert examining the report and its comparable sales without visiting the home. A field review goes further, sending another appraiser to inspect the property and confirm the value in person.

If you believe the value came in low, you can ask for a reconsideration of value. You submit new comparable sales or corrected facts, and the lender reviews them under appraiser independence rules. A reconsideration must be requested before the loan closes.

A person reviewing an appraisal report at a desk

Why the value gets a second look

A review protects everyone by making sure the value is right. Here is how the checks and a reconsideration work.

Reviews Protect The Value

A lender relies on the appraisal to know what the home is worth. Reviewing the report helps confirm the value is well supported before the loan moves forward, which protects you as much as the lender.

A Desk Review Checks The Report

In a desk review, a second expert examines the appraisal and its comparable sales without visiting the home. It is a fast way to confirm the appraiser’s work and catch any errors in the report.

A Field Review Goes Further

When more certainty is needed, a field review sends another appraiser to inspect the property in person. It is used when a report raises questions that a desk review cannot fully answer.

You Can Request An ROV

If you think the value is low, you can ask for a reconsideration of value. The request must be based on real evidence, such as recent comparable sales the appraiser did not use.

Evidence Drives The Outcome

A reconsideration is not an appeal by opinion. It works when you provide new comparable sales or correct a factual error, and it explains why that data supports a different value.

Timing And Independence Matter

A reconsideration must be requested before the loan closes, and the whole process follows appraiser independence rules. Those rules keep the valuation objective and free from pressure.

Hear From Homeowners Like You

Frequently Asked Questions

Common questions about appraisal reviews.

It is a check on the appraisal for your home. A lender can have an expert review the report, and automated tools can flag a value or quality issue that needs a second look.

A desk review examines the report without visiting the home. A field review sends a second appraiser to inspect the property in person.

Yes. You can request a reconsideration of value, supported by new comparable sales or corrected facts, before the loan closes.

It is a formal request asking the lender to reconsider the appraised value based on evidence the appraiser did not use, such as recent comparable sales.

Before the loan closes. After closing, a reconsideration of value can no longer be submitted.

No. A reconsideration works on evidence, not opinion. You need to show comparable sales or a factual correction that supports a different value.

They keep the valuation objective by preventing pressure on the appraiser. Every review and reconsideration follows these rules.

Find out what you qualify for

Think your appraisal came in low? We can help you put together a reconsideration with real supporting evidence.

Get Pre-Qualified
Official program information
Written by Saxton Retail Mortgage · Reviewed by Saxton Mortgage, LLC, NMLS #1717191 · Last updated September 22, 2026

Appraisal, review, and reconsideration processes are subject to program eligibility, appraiser independence rules, and applicable law. Whether a review or reconsideration changes a value depends on the evidence and the property. This page is informational and is not a commitment to lend. Not all applicants will qualify.