Do you have to go with bank that did appraisal for refinance?

[Joe T.]

Hi there,

The bank I'm working with to get a refinance came back with a lower number than I expected. What options do I have?

Can I go get a second opinion elsewhere? Am I obligated to pay the original bank for their appraisal services?

Am I able to negotiate with the bank or do they go with exactly what the appraiser recommended as a matter of process?

Thank you!