Hi Bill,Most reverse mortgage lenders will accept an appraisal from any HUD-approved appraiser. If the appraiser you worked with was not able to provide you with an estimate, you should consider contracting with another one. The US Department of Housing and Urban Development maintains a list of appraisers on their website that you can use to locate one in your area. It can be found here:https://entp.hud.gov/idapp/html/apprlook.cfmGood luck!