Exactly what happened here is why we stress that you need a local mortgage company to do your mortgage. But every appraisers use the county property appraiser website not just the MLS! But you have to realize that if the home across the street is not the same square footage or extremely close in size they cannot use it! You cannot pick the appraiser but you can ask that they be from within 15 miles of your home! Yes there are bad appraisers out there just like every other profession. Also the point about Zillow was the fact that Zillow does not show a VLS listing for sale since the developer is not Realtors. It does show after the sale is complete! But the appraiser only cares about completed sales!
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