Appraisals, by definition, are subjective. An appraisal is technically, the amount of money someone would pay TODAY, at this moment. That is why lenders will only use an appraisal for 60 days and then require a new one; they are snapshots in time. Unless you can prove that the appraiser INTENTIONALLY & knowingly, overvalued your home or was involved in some type of fraud. activity, you are not going to win.

Don't mean to vent, but many homeowners were convinced during the bubble that, if their neighbor sold his home last month for $xxx. of dollars that their house was now worth the same if not more. Many appraisers had probls w/people because they were convinced in 2000-2005 that appraisers and bank's were low-balling their house values