Are Guideline by the GSE's and lenders in regards to appraisals too restrictive? and are they having an impact on values due to their restrictiveness? If a lender states the appraiser must use sales within 90 days or 6 months or 12 months and will not accept sales over these guidelines, then does this lead to a potentially misleading report? If there are 3 ABSOLUTELY COMPARABLE SALES but all exceed the lender/ GSE requirements in terms of distance or date of sale, does the appraiser do a disservice by using "the best comparables available for comparison which meet the lender/ client guidelines"? Especially if the use of these "within lender requirements" sales greatly differ from what the value opinion would be if the ABSOLUTELY COMPARABLE SALES were used?