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What happens when the appraisal hits below your contract price? In this 60-second POV walkthrough via Meta glasses, a certified appraiser breaks it down calmly:
If the appraisal is with a bank, you can go to the bank and ask for a reconsideration of value in most cases. Present them some evidence such as recent similar comparable closed sales.
The low appraisal isn't personal—it's an impartial USPAP-based opinion from market data. Lenders use the LOWER of contract or appraised value, creating an "appraisal gap." Common fixes:
• Buyer covers the difference in cash (extra down payment)
• Renegotiate price down (seller splits or matches appraisal)
• Challenge with better comps/upgrades evidence (reconsideration or second appraisal)
• Walk away using appraisal contingency (get earnest money back)
Low appraisals happen more in cooling markets. Late 2025 update: with inventory up and rates mid-6%, we're seeing more balance—meaning reality checks on hot offers.
Ever dealt with an appraisal gap? How'd you bridge it? 👇 #LowAppraisal #AppraisalGap #RealEstateTips