{"id":3746,"date":"2021-08-31T05:00:37","date_gmt":"2021-08-31T10:00:37","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/what-buyers-and-sellers-need-to-know-about-the-appraisal-gap\/"},"modified":"2021-08-31T05:00:37","modified_gmt":"2021-08-31T10:00:37","slug":"what-buyers-and-sellers-need-to-know-about-the-appraisal-gap","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/what-buyers-and-sellers-need-to-know-about-the-appraisal-gap\/","title":{"rendered":"What Buyers and Sellers Need To Know About the Appraisal Gap"},"content":{"rendered":"

\"What<\/p>\n

It\u2019s economy 101 \u2013 when supply is low and demand is high, prices naturally rise. That\u2019s what\u2019s happening in today\u2019s housing market. Home prices are appreciating<\/a> at near-historic rates, and that\u2019s creating some challenges when it comes to home appraisals<\/a>.<\/span><\/p>\n

In recent months, it\u2019s become increasingly common for an appraisal to come in below the contract price on the house. Shawn Telford, Chief Appraiser for CoreLogic<\/em><\/a>, explains it like this:<\/p>\n

\n

\u201cRecently, we observed buyers paying prices above listing price and higher than the market data available to appraisers can support. This difference is known as \u2018the appraisal gap . . . .<\/strong>\u2019\u201d<\/em><\/p>\n<\/blockquote>\n

Why does an appraisal gap happen?<\/strong><\/h4>\n

Basically, with the heightened buyer demand, purchasers are often willing to pay over asking to secure the home of their dreams. If you\u2019ve ever toured a house you\u2019ve fallen in love with, you understand. Once you start to picture yourself and your furniture in the rooms, you want to do everything you can to land the property, including putting in a high offer<\/a> to try to beat out other would-be buyers.<\/p>\n

When the appraiser comes in, they look at things a bit more objectively. Their job is to assess the inherent value of the home, so they\u2019re going to study the facts. Dustin Harris<\/a>, Appraiser Coach, drives this point home:<\/p>\n

\n

\u201cIt\u2019s important for everyone to understand that the appraiser\u2019s job in the end is to remain that unbiased third party<\/strong>, to truly tell the client what that home is worth in the current market, regardless of what decisions have been made on the price side of things<\/strong>.\u201d<\/em><\/p>\n<\/blockquote>\n

In simple terms, while homebuyers may be willing to pay more, appraisers are there to assess the market value of the home. Their goal is to make sure the lender isn\u2019t loaning more money than the home is worth. It\u2019s objective, rather than emotional.<\/p>\n

In a highly competitive market like today\u2019s, having a discrepancy between the two numbers isn\u2019t unusual. Here\u2019s a look at the increasing rate of appraisal gaps, according to data from\u00a0 CoreLogic<\/em><\/a> (see graph below<\/em>):\"What<\/a><\/p>\n

What does this mean for you?<\/strong><\/h4>\n

Ultimately, knowledge is power. The best thing you can do is understand an appraisal gap may impact your transaction if you\u2019re buying or selling. If you do encounter an appraisal below your contract price, know that in today\u2019s sellers\u2019 market<\/a>, the most common approach is for the seller to ask the buyer to make up the difference in price. Buyers, be prepared to bring extra money to the table\u00a0if you really want the home.<\/p>\n

Above all else, lean on your real estate agent<\/a>. Whether you\u2019re a buyer<\/a> or seller<\/a>, your trusted advisor is your ally if you come up against an appraisal gap. We\u2019ll help you understand your options and handle any additional negotiations that need to happen.<\/p>\n

Bottom Line<\/strong><\/h3>\n

In today\u2019s real estate market, it\u2019s important to stay informed on the latest trends. Let\u2019s connect so you have an ally to help you navigate an appraisal gap to get the best possible outcome.<\/p>\n

Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"

It\u2019s economy 101 \u2013 when supply is low and demand is high, prices naturally rise. That\u2019s what\u2019s happening in today\u2019s housing market. Home prices are appreciating at near-historic rates, and that\u2019s creating some challenges when it comes to home appraisals. In recent months, it\u2019s become increasingly common for an appraisal to come in below the […]<\/p>\n","protected":false},"author":1,"featured_media":3747,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-3746","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"\nWhat Buyers and Sellers Need To Know About the Appraisal Gap—NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/what-buyers-and-sellers-need-to-know-about-the-appraisal-gap\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Buyers and Sellers Need To Know About the Appraisal Gap—NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"It\u2019s economy 101 \u2013 when supply is low and demand is high, prices naturally rise. 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