Again, thanks to all of you. The reason I had to start all of this research was that we have had a bad appraisal experience and I am trying to understand some of the details. Our buyer chose a well known national bank as their lender and the first appraisal was a drive-by. The underwriter threw it out. We are a special one of a kind property and we couldn't believe a drive by appraisal had been ordered. Then a full appraisal had been ordered which is what we should have had to begin with and that appraiser apparently did a VA appraisal and had incomplete and wrong data and this is not a VA loan, it is conventional. This has been very stressful. What's up with the appraisal process? Thankfully we think our buyers are hanging in there but this is crazy. We are reasonable people but if this is the quality of service we can expect from our national lenders I am going only with local lenders from now own. Thankfully, I had an appraisal done before listing and it turns out that they are an approved appraiser for that lender. The bad VA appraisal was contested with our backup comps and our April appraisal and it was rejected. I don't think that lender wants to do business in Skagit with how they have handled this transaction. I have learned a lot and if we are fortunate to survive this unprofessional and unethical national lenders antics and are still able to get our beautiful home sold, I am going to screen our next lender thoroughly about their appraisal process. I now know more about the appraisal process than I ever wanted to know. This has hurt us, our buyers, our agent, but in the end this hurts our local workers who can't provide a professional transaction because their corporate support has failed them. So sad.