(6)  WHAT TO DO IF YOU HAVE AN ISSUE WITH THE REPORT.  An appraiser may only discuss the results of the report with the appraiser’s client (the lender) or parties designated by the client.  If you want any changes contact the appraiser’s client in writing.  (7)  WHAT TO DO IF YOU HAVE AN ISSUE WITH THE APPRAISER.  Appraisers are required to be competent in the geographic area where they are working.  If you suspect the appraiser is not competent contact the lender who ordered the appraisal to share your concerns.  You can also contact the TALCB, the TX Board that governs appraisers.  Again remember REALTORS DO CMAs (Comparative Market Analysis) OR BPO (Broker’s Price Opinion) which is often similar to the appraisal in their results.  They usually go from different angles to come up with SIMILAR RESULTS.