Something is wrong. Appraisals do not take 4 months . . . in fact, in most areas, they are only GOOD for 90 days, so the one you ordered would already have expired. Contact your lender immediately, and ask what is wrong. If you are working with a broker, ask for the timeline for the appraisal order, order receipt, etc. - if it appears that the broker ordered it correctly, and you trust the broker, have the broker contact the lender again. If necessary, contact your local banking division.