The appraisal came in significantly lower than our offer price. Our lender won't finance the difference, and we don't have the extra cash to cover it. We might lose our earnest money.
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What specific issues were identified in the inspection report?
What is the specific reason for the delays in the seller's new home purchase?
What specific types of information are you having trouble obtaining from the buyer's agent?
Can you describe the size, width, and depth of the new cracks?
When were these insurance claims filed, and what was the nature of the water damage in each instance?
What specific appliance (e.g., HVAC, water heater, refrigerator) has broken down?
What does your purchase agreement or sales contract explicitly state regarding included fixtures and appliances?
What is the current agreed-upon closing date?
What is the specific age of the property?
When was the original quote provided, and by whom?
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Выявленные причины
Overvalued Offer Price
75%The offer price was set too high relative to the current market conditions or the property's actual condition, leading to an appraisal that reflects a more realistic valuation.
Lender's Strict LTV Requirements
60%The lender has a strict loan-to-value (LTV) ratio requirement that cannot be met with the current appraised value and the buyer's available down payment.
Appraisal Discrepancies
50%The appraisal may contain errors, such as incorrect comparable sales (comps), miscalculations, or overlooking key property features, resulting in an artificially low valuation.
Market Downturn or Specific Property Issues
40%The local real estate market may have experienced a recent downturn, or the property itself might have significant issues that were not fully accounted for during the offer process, leading to a lower appraisal.
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