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What can I do if appraisal came in low?

What are my negotiation options if the home appraisal comes in lower than our agreed purchase price?

17 Answers

How do I calculate the break-even point when deciding whether to pay mortgage points?

My husband and I are first-time homebuyers in Denver and we're comparing two different loan estimates from our credit union. One option has a lower interest rate with one point charged upfront, while the other has a slightly higher rate with no points. We want to understand how long we would need to live in the home for the lower monthly payment to actually offset the extra cost we pay at the start.

9 Answers

Is it common for private residential properties to have public hiking trail easements running through the backyard?

We are looking at a gorgeous acreage in the Colorado foothills, but the listing mentions a prescriptive easement that allows local hikers to use a path that cuts right through the back third of the lot. The seller says it's rarely used, but we have dogs and young children and are worried about privacy and liability. We're trying to understand if these types of trails can ever be rerouted or if they are essentially permanent fixtures of the land deed.

7 Answers

If my wife bought a piece of land in Colorado and we are getting a divorce, can I purchase it

I need to do a 1031 exchange and my wife bought a piece of land before the marriage. After the divorce, can I use the 1031 exchange to buy it from her?

7 Answers

Seller want to stay in house after i buy?

the seller ask for rent house after i buy it. they want to say 30 days cause her house not ready. i want to help but my mom say i should not. waht if they not leave?

8 Answers

What is the absolute minimum credit score needed to buy my first house?

I have been working hard to pay off my student loans and credit cards to get ready for homeownership. Every website I check gives me a slightly different answer about credit requirements. I want to make sure my score is high enough to get approved before I let a lender run a hard inquiry.

10 Answers

How often do school boundaries change?

The house we like is in a bad school area. We have an infant so like 5 years until we need schools. Any change the school could change in that 5 years and we'd be in a better zone?

17 Answers

What the heck is an escalation clause and is it a trap?

My agent wants me to put in a bid that says 'I’ll pay $2,000 more than the highest offer up to $600k.' This feels like I’m showing my hand too early. Has anyone used this and actually won, or does the seller just use it to artificially pump up the other offers?

24 Answers

Are home prices artificially inflated right now?

It feels like homes are overpriced in today’s market. Are buyers overpaying, or is this just the new normal?

11 Answers

Is it a red flag if a house has been sold every 2 years?

Found a house I love, but looking at the history, it was sold in 2020, 2022, and 2024. How do i know if it is just a coincidence (like people relocating), or is there likely a hidden nightmare with the house or the neighbors that makes everyone want to leave immediately? How do I find out the truth?

20 Answers