Appreciate serious responses from Real Estate professionals - please?
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I have no idea what you're really asking, since there isn't a linear thought anywhere in the body of that question.
That being said, appraisers ARE independent. Their opinions may vary substantially. It is as much art as science valuing a property, especially one that has limited comparable sales in the area, like a rural property.
You can always pay for a new appraisal and see what you get. But you can't just pressure an appraiser to change his value. It doesn't work that way, not even for a mortgage company. Assuming the appraiser has any integrity, which it sounds like yours believes he has.
If the value is too low, and you're trying to buy this home, he's probably doing you a favor by giving you the truth, that this home may not be worth what you thought. You don't want to buy it and be upside down the minute you walk in the door.
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