after the appraisals come on the comps there seems to be a stipulation on being able to sell the house in a certain time frame...90 days for example...then they look at comp homes that sold in that specific timeframe and base the appraisal on that...depending on where u live this could be awful in this market...probably comped with short sales and forclosures...it is not a good deal in this market....if u r going to use the third party program do some research on the stipulations....it is not spelled out in the contract!