The VA issued a Tidewater notice on my appraisal — should I let the listing agent provide comps, or decline to participate?

Let the comps go in. Tidewater works in your favor, and declining to participate usually isn't the right instinct. Tidewater is a VA-specific step. When the appraiser believes the value will come in below the sales price, they're required to notify the lender's designated point of contact before finalizing the appraisal, and that person relays word to the agents and parties. From there, the window to submit additional supporting sales data is two business days. The whole point is to keep a fair deal from dying on a preliminary low number. On the mortgage side, we don't think a buyer can simply block the listing agent from submitting comps during that window, because every party to the transaction gets to participate through the process. And from the seller-agent side, we'd always provide comps supporting the price. That's the job. Even if the value still comes in low after the Notice of Value is issued, a VA borrower can request a formal reconsideration of value in writing, so you have a backstop. Where it lands after that comes down to leverage. If the appraisal supports the price, great. If it comes in low, whether the deal gets renegotiated depends on how many other offers exist and how badly each side needs the close. Let the supporting information get submitted, since it can only help the value hold, and keep the reconsideration of value in your pocket.