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What is a Reconsideration of Value (ROV) and who can request one?

An ROV is a request to the appraiser to reconsider the analysis and conclusions of his or her appraisal based on information not presented on the appraisal report. Only your lender may request an ROV from an appraiser on your behalf. If you have concerns regarding your appraisal, you should contact your lender and ask for their policies and procedures in requesting an ROV.

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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