Mortgage Lending · Underwriting
Appraisal review guidelines
Internal rules underwriters follow when checking a property appraisal for accuracy, completeness, and acceptable value support.
What it usually contains
- Checklist of required appraisal form fields and exhibits
- Standards for comparable sales selection, distance, and time adjustments
- Triggers for a desk review, field review, or second appraisal
- Rules on value reconciliation, appraisal gaps, and property condition ratings
- Steps for handling appraiser rebuttals and reconsideration of value requests
What the assistant uses it for
Answer questions about whether an appraisal meets lender standards, when a review or second opinion is required, and how to handle low or unsupported values, unusual comparables, or property condition issues.
How it is versioned
A document of this type has exactly one current version at a time. Upload a revision and it becomes the version that counts — the one before it is kept and dated, but is no longer what your assistant answers from. Nothing is ever deleted, so you can always show what this document said on a given date.
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