Certified Appraisal for purchase of primary residence property comes in at $150k which is contract sales price. Our in house evaluator and appraisal reviewer believes the value is too high and the provided comparable properties and information does not support the value as he believes it should be closer to $125k. We ask the appraiser to provide additional information, so the appraiser provides additional information to further support concluded value and in house reviewer still does not agree/want to accept the appraisal. Any suggestions for the next step? Order another certified (can we charge the borrower if we have to order another)? Have an in-house evaluation? Ask borrower to put more down or to reevaluate sale price with seller? Any advice is helpful.