An appraisal is an opinion of Value it does or should not change with the purpose of the appraisal. If you have an appraiser that is "willing" to appraise higher you should find another one. That appraiser has compromised the integrity of the profession.
They are not supposed to, but I have found they are more liberal on a refinance than a sale where two parties are interested. That being said, all appraisals are more cautious in a declining market. Let me know if you need help. Jon Tucker, 443.538.4316
if they do, they are not a good appraiser! and are the reason lenders are pushing for the lotery system for loans that should be up and going in the next few months. The value should be the value no matter what the purpose is.