I built a 4300 sq.ft. Cypress log home on 5.27 acres in the third fastest growing county in the nation. The appraisal came in at a conservative($137.50 sq.ft.) $454,900.(2450 heated)Some features are:1200 sq.ft. cypress decks and covered porch,35 ft. of Corian countertops on solid oak cabinets,open beams,2200 sq.ft. oak flooring,marble floors and walls in master bath,tongue and groove pine on all interior walls,Andersen windows,10ft. poured walls,electric baseboard heat,masonry fireplace,etc.The underwriter refused the appraisal and found an appraiser that lowered the value to around $260,000.There are NO comparables(Cypress homes)other than Pine log homes which are much smaller and not near the quality.Could adjustments be used or is it permissable for their appraiser to ignore the obvious differences?