06/10/2026
When the appraisal comes in lower than expected, it can feel like the deal is about to fall apart, but there are actually several ways to keep things on track.
Here is what I walk my clients through step by step:
1️⃣ Review the comps together to see if the appraiser might have missed more recent or more accurate comparable sales.
2️⃣ Gather a list of upgrades and improvements that may not have been fully considered, then submit a reconsideration of value request when it makes sense.
3️⃣ Talk with the lender about options. That might mean adjusting the loan structure, adding a small seller credit, or finding a way to bridge the gap with less out-of-pocket than you think.
4️⃣ Renegotiate with the seller if needed so both sides share the difference in a way that still works for you.
A low appraisal is a problem to solve, not a reason to panic. With the right strategy and communication between your agent, your lender, and the other side, many of these situations can still close successfully.
All things Real Estate with Sonia Alvarado
REALTOR®, Lender, Trust & Living Wills
Hablo español
📱 909-560-1258
📧 [email protected]