Monday, June 17, 2013

Appraisal came in 27k under purchase price, will I ... - Zillow Real ...

Wetdawgs, I am approved for more than 210k mortgage that isn't the question here. It's not up to me how much the house appraises for, my lender is the one deciding. If the house appraised at 210k, I'd be fine but I'd be a dummy to pay 27k over appraised value.

SoCal, The lender is deciding to go with the lowest appraised. I'm assuming this is the normal practice and after viewing the 1st appraisal that came at 200k, it's questionable, the appraiser used comps crossing major intersections and almost 2miles away from subject property. The appraisal that came in at 183k used comps within ~.5 miles. My realtor offered 210k because after talking to the seller agent, that's what was hinted at him, "We're looking for someone that can offer over listed price but can come up with most cash difference'.

Elizabeth, I am not doing anything not out of good faith. the Sacramento area right now is just stabilizing. I had very high hopes that we wouldn't have an appraisal issue. Trust me, I'd rather have had the property appraise at offer price than deal with this now but with new HVCC changes and such, my REA asked me what most can I afford if the property would not appraise (Low ball appraisals have been a huge issue in Sacramento from what I'm being told) and I'm putting everything I have left to afford a house to get the property. I am more than willing to work with seller in disputing the appraisal.

Amy and Bernard, I have not removed the appraisal contingency. The 17th day is Sunday and we sent the seller a request of extension so we can have more time to dispute the FHA appraisal.

I would hate to walk away from the property but it just doesn't seem like the seller wants to lower price even though I have stated in contract the MOST I'd pay over appraisal.

Source: http://www.zillow.com/advice-thread/Appraisal-came-in-27k-under-purchase-price-will-I-be-forced-to-cancel/497316/

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