When an appraiser receives a borrower-originated reconsideration and the borrower's sales are not physically comparable to the subject, what should the appraiser do?

• A. Provide a detailed explanation as to how and why the sales provided by the borrower are not physically comparable to the subject
• B. Accept the borrowed sales as is
• C. Recalculate the value to match the borrower's expectations
• D. Discount the borrower's sales as invalid data

Answer: (A)

When data from a borrower-originated reconsideration isn’t physically comparable to the subject, the appraiser must clearly explain why those borrowed sales can’t serve as valid comparables. This means detailing the exact physical differences—such as differences in size, age, condition, architectural style, lot characteristics, location segment, or date of sale—and showing how those differences would influence value. By laying out these distinctions and their impact, the appraiser maintains transparency, upholds professional standards, and preserves independence from buyer or borrower pressure. Even if the borrowed data can’t be used directly for value, it can still be referenced for context, but it must be clearly stated that it does not substitute for true comparables. Accepting noncomparable data as is, attempting to adjust value to meet expectations, or discarding the data without justification would undermine appraisal integrity and standards.