Since the whole Mortgage meltdown, there have been many new rules and regulations come down that lenders have to abide by. One of those rules have to do with the relationship between a lender and an appraiser. In the past there was a lot of fraud involving inflated appraisal prices, many times due to the lender pressuring the appraisers to come in with higher values. The lender cannot consider the appraisal your seller has had done. He is an interested party. Neither will it do you any good to have your own appraisal done - the lender cannot use it. Your lender really can't order another appraisal, either, just because he doesn't like what the appraiser came in with. Due to limited communications allowed, about all your lender can do is review the appraisal presented, and if there are blatant errors, such as comparables that are not comparable, about all they can do is request that the appraiser consider more or other comps, and see if the value comes up some. But, to be honest, in my experience, that doesn't often raise the value by a substantial amount. You are more than welcome to go to another lender, and start the process all over again, but you will be taking the chance that a new appraisal will come in low, too. We, as lenders, cannot pick and choose who we want to do an appraisal. We have a list of appraisers that are on our approved list, and, at least in our institution, we have to rotate them out in an impartial way, so often, it is the luck of the draw who does the appraisal. Many lenders have them ordered through a third party so they have no say in who does the appraisal. This is all due to fraud in the past. Hope this helps answer some of your questions.