Mike Giampa

Ask your lender for a reconsideration of value and if your realtor doesn't know how to supply one competently ask them to pay for an appraisal If there really is a bad appraisal. Simply throwing comps at it does not sway an appraisers opinion most likely but if they're truly is a value discrepancy a competent appraisal is more likely to sway the original appraisers opinion then five comps that may or may not be of use. If you are in a really hot market and the contract price was simply bid up there may not be much you can do in that scenario.

Ask your local lender about investor loans which typically require a decent size down payment. If you don't qualify but you have a slam dunk deal you absolutely must have search hard money lender near me. But be warned, the prices and closing costs are steep

What does your realtor think it's worth if you are using one. If it's a house you really like and you want to only pay market value hire a highly rated appraiser near me from Google search. I do these all the time for realtors near me as an appraiser as well as being a VA broker.