Bank auditors come to your home and assess how much the property is worth..its NOT the homeowner who makes that decision. I can say my house is worth 5 million and put it on the market, doesn’t mean thats what its worth thats how much I think its worth, my opinion. On my previous tax returns our tax guy at the time was a total moron and screwed up my taxes, automatically the IRS corrected it on their end and I had to end up paying instead of receiving..believe me if there is ANY issue they automatically red flag it and correct it
I get calls almost weekly from scam artists wanting to buy my property. I always tell them I am willing to sell it... And then I put out a number about 8 times higher than even a high bidder would pay.
They thank me and hang up.