I agree with Anastasia. Having been an REO agent for many years, I can't tell you how many times I've gotten calls from people who have gotten foreclosure information off of public web sites and the bank web sites, thinking that home is still available. Those sites are almost universally not up to date. It is most accurate to work with your agent or you will be frustrated.... more
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I'm wondering if you have interchanged the terms "appraisal" and "assessment" in your question. Assessment relates to the Marin County Tax board and the assessed value of your property for property taxes purposes. Appraised value is arrived at by an appraiser for the purpose of obtaining a mortgage for a home you are purchasing or for refinancing an existing mortgage on your home.
I personally went through a similar situation in September of 2009. We were refinancing and felt that the appraised came in lower than we felt was correct. The problem at the time was that the real estate market was sluggish (still in a recession) and there weren't enough good comps. The bank allowed me submit comps I felt should be included in the appraisal which were then presented to an internal bank board.
I would contact your lender to find out if they have an appraisal appeal process.
Let me know if I can be of further assistance.... more