Appraisals for a remodeled home

[Brandy Carrero]

So we purchased a foreclosure using a hard money lender and completely gutted the home, remodeled it with high end finishes. We are now looking to refinance the home (it’s our primary residence). When we applied for a refi and appraiser came out, but he appraised our house using the same comps as in the area. The comps in the area are nothing comparable to our new home. We have quartz countertops, bifold aluminum doors (4 large open doors), beautiful new kitchen with crown molding cabinets, waterfall kitchen island, ancient stone wall in our living room, all hardwood floors, etc. they are comparing my house to houses with carpet, old cabinets/kitchen, etc.

Is this fair?