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What I've found is that the recent sales or the square of your home, lot size or something is pulling your home value down. I just appraised a home where the median price was 160k. The home that I appraised came in at $180,000. This is because the homes in the area are much smaller than the subject.The key is to find two sales that are better to the ones that the appraiser used. They can be more recent, closer, same design and appeal and similar GLA. Next, ask your underwriter to send them to the appraiser and see if they can incorporate the sales into the appraise. Two things will happen.1. If the sales are similar, the appraiser may consider them and increase your home value. If he/she feels they are no better or worse, they might not bring any more value to the table.2. If the sales are not similar, the appraiser will simply state that they are not any better so they will not use them and the value will remain the same.Next time you may want to hire an apprasier to complete a desktop appraisal so that you don't throw good money after bad. Many Realtors also offer CMA to see if you are in the ball park in hopes that you may list with them. These still may differ from the appraisal, but at least it will given you a starting point.
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For Sale: $219,000
For Sale: $370,000
For Sale: $279,000