Hi Bob,

Yes, one can be an appraiser as well as a real estate agent. I have someone in my neighborhood who is licensed as both. You could probably just have another appraisal done like a second opinion so to speak.
You'd just have to pay for both though. That's what I'd do if I had a concern about the appraisal etc.

Some things to consider though, she's under the asking price by $4k? Many times the listing price is higher than what the value really is. In this market about 80% of listings are over priced. $4k isn't much either, I've seen some overpriced by a much larger margin than that.

You need to have your agent do a CMA on each property that you put an offer in on. This helps you to know if the list price is close to the value. If your agent knows how to do a CMA correctly they should be close. My CMA's come very close to what the appraisal is on a property that my clients are buying. If the CMA comes in much lower than the list price I send the CMA with my client's offer to the listing agent.

Are you purchasing your home with agent representation or are you doing this all on your own? It's always best to have a reputable agent represent you in your purchase. Buyers do not pay the commission for an agent representing them in a purchase. They can also save you time and gas by assisting you in your home search.

I hope that this helps.

Becky Nay, GRI
Keller Williams Realty
801-573-2077
beckynay@kw.com
http://www.beckynay.com
http://www.searchhomesinutah.com