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Reply to "Can you show list of comps to the appraiser? Standard to ask a realtor to prepare one?"
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[quote=Anonymous]I don't know, but it's an excellent idea to try and prepare your own comps. I have posted previously about being screwed on the comps on my last two re-fis. The appraiser used comps that were far from our house (i.e. farther from the metro) and/or didn't reflect that our house was improved, etc. My advice? We did re-fi deals that were not appraisal-contingent. As I understand it, the house has to appraise at a certain amount so you don't have to get PMI (you need to have a certain amount of equity in your home). That I wasn't worried about, but we did talk with some banks that would only give us a certain rate if our home appraised at X. DH wisely went with a different bank without this requirement, and are so glad we did.[/quote]
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