Appraisal Came In Low? Here’s Exactly What to Do

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🚨 Low Appraisal? Don’t Panic!

If your home appraisal comes in low, it can feel like a deal-killer — but in today’s real estate market, it’s more common than you think and very often fixable.

In this video, I break down:
✔️ What a home appraisal really is
✔️ Why appraisals come in low (especially in today’s market)
✔️ What happens next with your loan
✔️ Your real options as a buyer or seller
✔️ How appraisal gaps are being handled in 2025
✔️ When to renegotiate, appeal, split the gap, or walk away

Whether you’re buying or selling a home, understanding how appraisals work — and how lenders view value — can save you time, money, and unnecessary stress.

🧠 Why Appraisals Are Tricky Right Now

• Market data often lags behind current prices
• Fewer comparable sales in some neighborhoods
• Buyers rolling seller credits into prices for rate buydowns
• A more balanced (and cautious) post-pandemic market
• Appraisers relying on closed sales — not emotions or bidding wars

🛠 What You Can Do If an Appraisal Comes In Low

Buyers:
• Renegotiate the price
• Pay the difference in cash
• Request a reconsideration of value
• Use your appraisal contingency
• Explore seller credits or concessions

Sellers:
• Adjust the price
• Split the appraisal gap
• Offer closing cost credits or rate buydowns
• Hold firm if the buyer has cash flexibility

🎯 The Bottom Line

A low appraisal isn’t the end — it’s a checkpoint.
The key is knowing your options, understanding today’s market realities, and having the right strategy in place.

If you’re dealing with an appraisal gap or want help navigating your next move, I’m happy to help you make confident, informed decisions that protect your investment.

If you’re thinking about moving to Salt Lake City, Utah be sure to give me a call, shoot me a text, send me an email, or schedule a Zoom call. I’d love to help you make a smooth move to Salt Lake City, Utah!
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🤔Thinking of moving to Salt Lake City Utah?
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