Who's the professional here?

Real Estate Broker/Owner with RK Real Estate Services DRE#594865

Mortage Underwriter second guessing appraisers? 

Just had a deal where the underwriter in Arizona did not argree with the the appraisal done by a local Colorado appraiser on a Colorado property. Why is my client paying for an appraisal if the underwriter is coming up with the appraised value on his own ? Is the undewriter a trained and licensed professional appraiser in Colorado? Does the underwriter know local market conditions and values of properties in Colorado? I think not, yet the underwriter undermines the appraiser's professional opinion. This is quite frustrating and questionable for both buyers, sellers and realtors. 


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