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If you think you received an unfair appraisal, we can help. Learn how to file different types of reports and continue visiting this page as we add additional resources to help you understand your rights and how to address bias in appraisals.

 
[Why Do Appraisals Matter? An appraisal is a point-in-time opinion of value. In order to issue a home loan, the lender must conduct an appraisal to determine the value of the home. Simply put, the bank needs to know how much month the home is worth.]

 

[Report Housing Discrimination: Step 1] [Report Housing Discrimination: Step 2]

"An appraiser valued my home for much lower than expected,
what should I do?"

Appeal/Reconsideration of Value (STEP ONE)

Appeal/ Reconsideration of Value
(STEP ONE)

"I'm Black and I had a White friend stand in for a second property appraisal,
and my home value increased, what are my options?"

REPORT HOUSING DISCRIMINATION (STEP TWO)

REPORT HOUSING DISCRIMINATION
(STEP TWO)
 
 

Appeal/ Reconsideration of Value (ROV)

 

"An appraiser valued my home for much lower than expected, what should I do?"

[Reconsideration of Value]

Report Housing Discrimination

 

"I'm Black and I had a White friend stand in for a second property appraisal, and my home value increased, what are my options?"

 

Other Ways to Get Help Reporting Housing Discrimination

  • Speak with an FHEO intake specialist by calling (800) 669-9777 or TTY: (800) 877-8339.
  • Call your regional FHEO office at the phone numbers on this list.

It is unlawful to discriminate in housing based on these factors:

  • Race
  • Color
  • National origin
  • Religion
  • Sex (sexual orientation and gender identity)
  • Familial status (families with children under the age of 18, or who are expecting a child)
  • Disability (if you or someone close to you has a disability)

Discrimination in housing can occur during any point in the home buying, selling, and refinancing process including the appraisal process.

If you believe you have experienced discrimination in housing, HUD's Office of Fair Housing and Equal Opportunity (FHEO) can help document your report.

Report housing discrimination with FHEO online in English (https://portalapps.hud.gov/FHEO903/Form903/Form903Start.action) or Spanish (https://portalapps.hud.gov/FHEO903/Form903/Form903Start.action?lang=es). After your report is received, FHEO will investigate the housing discrimination Report.

 

Report Housing Discrimination with the Appraisal Subcommittee

You can also report inappropriate conduct of an appraiser through Appraisal Subcommittee (ASC), ASC's report process (https://refermyappraisalcomplaint.asc.gov/).

 

 
Content Archived: February 18, 2025