You have to get you package to the lender first. Once they do that, the lender will order their own independent appraisal and the value will not be disclosed.
Once you get an offer, it is presented to the lender along with a HUD estimating all the costs associated with the sale. Then they decide if it is an acceptable offer or counter it. Most times the counter is the appraised/BPO value. Want more information get our
Loss Mitigation Training Manual
We discuss short sales and give general information/training