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Reconsideration of Value

    This disclosure will outline the steps needed to request a reconsideration of value (“ROV”) from your lender.

    A ROV can be requested if it is found the appraiser’s opinion is unsupported, there are unacceptable appraisal practices, or the appraisal reflects discriminatory practices. These are the only reasons a ROV may be requested.

    If you want to request a ROV, contact your lender and advised them of your request. When making the request, you will need to advise the lender why you are requesting a ROV and support the request with facts and/or data. If you do not provide any facts or data with your request, your request will be discarded. Alternatively, you may fill out the form below and return it to your lender. Do NOT contact the appraiser, we will handle that.

    Once the request is sent to the appraiser, they should respond within 5 business days. The response should include commentary to explain their conclusion to the ROV request. No ROV will be considered after the loan has closed.


    Reconsideration of Appraised Value

     

     

     

     

     

     

     


     

     


    When submitting this form will send a PDF of the information you supply to First Neighbor Bank. An email will also be sent to the email address provided on question 3 of this form.

    FIRST NEIGHBOR BANK N.A.

    CORPORATE CENTER: 217-849-2701


    ARTHUR: 217-543-2265


    CASEY: 217-932-4048


    CHARLESTON: 217-345-4060


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    MATTOON: 217-234-9700


    NEOGA: 217-895-5800


    NEWMAN: 217-837-2491


    PARIS: 217-463-1111


    TOLEDO: 217-849-2702


    CALL TOLL FREE: 1-877-865-3361


    Routing Number: ‍071109082


    NMLS#: ‍586002


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    FIRST NEIGHBOR TAX & ACCOUNTING*

    CASEY: 217-932-4048


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    *Tax and accounting services provided by First Neighbor Tax and Accounting are not FDIC insured.

     

    FIRST NEIGHBOR INVESTMENTS**

    CASEY: 217-932-4048


    MATTOON: 217-234-9700


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    **Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Neighbor Bank and First Neighbor Investments are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using First Neighbor Investments, and may also be employees of First Neighbor Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of First Neighbor Bank or First Neighbor Investments. Securities and insurance offered through LPL or its affiliates are:

    Your Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

    Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html

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