Once inspection is behind us, the lender's engine engages. You will provide updated financials, sign initial disclosures, and the lender will order an appraisal from an independent, rotational panel. Neither you nor I can select the appraiser — a rule designed to protect the integrity of the valuation.
Most appraisals meet contract price. When one does not, we have four levers: request the seller reduce the price, split the gap, cover the difference in cash, or — if the contract permits — exit with earnest money returned. We prepare for all four before the appraisal ever arrives, so a low appraisal is a plan, not a panic.
Order & Timeline
Appraisal typically scheduled within 7–10 days of order; report delivered 5–7 days after inspection.
Low Appraisal Playbook
Rebuttal with additional comparables, seller reduction, split-the-difference, cash gap, or contingency exit — pre-modeled.
Rate Lock Coordination
We align lock expiration with the target closing date; extensions cost money and we avoid them where possible.
- Order & Timeline
Appraisal typically scheduled within 7–10 days of order; report delivered 5–7 days after inspection.
- Low Appraisal Playbook
Rebuttal with additional comparables, seller reduction, split-the-difference, cash gap, or contingency exit — pre-modeled.
- Rate Lock Coordination
We align lock expiration with the target closing date; extensions cost money and we avoid them where possible.