[Guvante]

Only in instances of fraud, at least effectively. Appraisals defer heavily to "this person is willing to pay $X to this unrelated person for this exact house".

If they can find someone paying more for a nicer house and someone paying less for a worse house you are likely going to be in the clear.

Technically they are supposed to adjust to get your home value from comparables but the magic "market adjustment" means that they can basically always do that.