This is an interesting article about appraisal process-http://www.cnbc.com/id/31509964
Luckily I haven't had the bad experience of dealing with out of area appraisers and/or their inabilility to access the MLS although I have dealt with the delays & confusion of the appraiser not being able to communicate with the lender and this can become very frustrating, causing the Realtor to be the go between.
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