HELOC appraisal value too low

[Eric Huang]

Hello all, I recently got a HELOC on my primary residence quote up to 85% LTV for a rate of 4.375: Prime rate + 1.125%. However, the appraisal value is about $70K-90K lower than I expected. The lender mentioned that I can do BPO up to $130 or full appraisal for $775. I'm not sure if it's worth it. And if the value comes in lower, I must accept it.

BTW, this was my second bank ask. The first one was even worse ($70K lower than this one). Any suggestions are greatly appreciated!