I have purchased my home 2 years ago. Since then the assessed value of my home has increased. My tax assessed value has increased by 30 % and other houses in my neighborhood are reflecting that increase. I contacted Wells Fargo ( owner of my mortgage ) to have them assess the property value so that I can remove my mortgage insurance. They told me that I would have to pay over {$300.00} for the appraiser so assess my home. They also said that the appraiser would not take market value into account. The appraiser would only be looking for structural modifications. Wells Fargo owns the appraisal company. There is a conflict of interest that negatively affects consumers like myself. The appraisal company and Wells Fargo are in collusion to artificially suppress appraised property values as confirmed to me by the Wells Fargo representative. A fair and proper appraisal must take market value into account. 
