07/15/2026
Great info by one of our favorite local lenders!
If your clients are buying a home and the appraisal comes in low, their thought instantly goes to:
“So we have to bring extra money to closing.”
Sometimes, yes.
But not always.
Here’s the part most buyers don’t hear early enough:
A low appraisal is a math problem, not a moral failure.
And they may have more than one lever to pull.
In some situations, the client can adjust the structure instead of writing a bigger check, like:
* shifting how much is put down
* using a different loan setup
* accepting mortgage insurance for a season (instead of draining savings)
* negotiating the price or seller credits
* requesting an appraisal reconsideration if there’s solid data to support it
The big idea: the client is usually choosing between cash now vs. cost over time.
And the “right” answer depends on your client’s reserves, goals, and timeline.
Call or text me if I can help! 850-221-9174
