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Appraisal problem!

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imailin

Member
What is the name of your state (only U.S. law)? MIami florida

I am a first buyer and I fall in love with a townhouse in Miami Florida. The seller is asking for 140k ... since I loved the house my offer was really appealing (as what I understand,... I have being shopping for a house for over 4 months now) I offered 140k plus 3% closing cost seller contribution, The seller doesn't want to negotiate and she only wants to pay 2,000 seller contribution.... well... I like the house and I’m willing to take those 2,000 out of my pocket, but.... I am afraid she won’t want to negotiate if the appraisal comes for less of the sell price. The comparables on the same condominium sold in the last few months for 130K... but they do not have granite kitchen counter tops, stain stile appliances, remodel bathrooms, and laminate floors in the upstairs floor..... I am afraid because a month ago I was about to close a house and the bank did not approved the association and I loss $400 in the appraisal (which came 136K, the same as selling price for a 890sf townhouse. with regular kitchen and bathroom pretty old ) Now, what you guys think, will this house come for 140K ? it has 1500 sf. Patio, like 7 closets, front yard(payment) I live in Miami, this house is located a half block of one of the most important streets (kendall Drive) help! i do not want to loose another appraisal and I do not have the money to put if it comes below!
 


mixtim

Junior Member
No one can tell if the house will appraise or not. The "extras" that make one home more appealing than another really don't add large value because what drives the appraisal are things that are objective: location, square footage, lot size.

As you know, if the appraisal comes back low someone will need to pay up the extra. Either the seller reduces to that value or you come up with the cash.

If you love this house and really must live there, plan to eat the cost of appraisal and make up the difference. Otherwise, don't contract. In this market, there must be a comparable that you could upgrade when you get more cash (or take out an equity line) to get those same extras you like with this property.
 

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