A property owner believes they were discriminated against in an appraisal for a mortgage refinance and suspects a low value based on neighborhood sales. What action are they MOST likely to take?

• A. File a complaint with HUD
• B. Ignore it
• C. Request a new appraisal through the lender
• D. File a lawsuit against the appraiser

Answer: (D)

The situation tests accountability for potential appraisal bias and discrimination in a financing process. The strongest way to address proven or strongly suspected discriminatory appraisal practices is to pursue a civil action against the appraiser. A lawsuit directly targets the conduct, allows the homeowner to seek damages for any financial harm caused by the biased valuation, and can also lead to remedies that deter future improper practices. While regulatory complaints or requesting a new appraisal are valid steps, they don’t provide the same direct, enforceable remedy and accountability for the individual appraiser.