Of course you can talk to the appraiser. The problem with appraisals, the market, and this whole mess we call real estate is that MARKET VALUE is so different than REPLACEMENT VALUE and many other monetary VALUE STANDARDS that REO's will continue to drag down the prices. Many appraisals require REO's in market value computation. No matter what you tell the appraiser they have to much education to be influenced. Trust me, they were laughing and I was pist. During my appraisal course at OCC the professor stressed that market value is different than replacement value and commercial properties are valued differently than residential ones.
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