Hi! Thank you for asking for me.
I used to do alot of real estate
closings and dealt with loan originators who "talked" to appraisers.
It used to be the case where you could "inform" an appraiser where you need the appraisal to come in at - that you needed it above a certain point.
Then, the appraiser, because they wanted your continuing business, they would always get the appraisal near or above that "mark" needed.
However, since the mortgage
foreclosure crisis - where appraisers have been taken to court for fraud (criminal and civil) they don't do it anymore.
In fact, in situation where the appraisal isn't used for obtaining a loan - they still won't deviate from an objective appraisal. For example a real estate tax assessment appeals - they still won't make the appraisal low for fear of reprisals if their appraisal is reviewed.
So, although I would like to tell you that you can find an appraiser and get them to give a high value (which would be in your best interests) it ain't going to happen.
Given all the appraisers who were prosecuted - they are not running scared and won't think about giving anything but their honest opinion.
Yes, appraisals can vary as between appraisers - but nothing like they used to. In fact, when two appraisals are vastly different given the same subject property - that throws up "red flags" and potentially an investigation.
So, although I'd like to be able to tell you that it's possible - it's not.
However, you would like the appraisal to come in as high as possible given your situation.