Should I use the appraiser my realtor recommends, or get my own, or how does that work?

If you're buying then your lender will handle, and require, you use the one they say (your expense).

If you're selling then your realtor helps you set the price. If they are asking for an appraisal then get a new one because they don't know what they're doing.

The realtors appraiser will bring the home at said value. This is the same problem we had during the housing crunch. Over valued homes.

Find an independent appraiser and this way the lender and you can have a bit of leverage.

You should not be speaking with your real estate agent about an appraiser. Normally the appraiser used to appraise a potential purchase wold have to be on the approved list of your mortgage lender.

If you select an appraiser, you would want to make sure the appraiser is listed on your mortgage lender's approved appraiser list.

If the appraiser you select is not on your lender's approved list, you might be required to pay for a second appraisal or perhaps an appraisal review.

Your mortgage loan officer would be instrumental as to the appraisal to be used in appraising the potential property you are purchasing.

I hope this has been of some benefit to you, good luck.

"FIGHT ON".

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Your best interest is to get your own appraiser. Occasionally, the appraiser may be "in the pocket" of your realtor, meaning he/she will skew the appraisal to suit the realtor's selling price.

Either way, you will have to pay for a second appraiser that your lender hires.