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Your lender just “won” the appraisal appeal and you’re celebrating. Uh-oh... A low appraisal on a purchase shows you what the market would pay without the adrenaline of a bidding war. Before you ask for a reconsideration of value, check how your loan type handles it. On FHA, the appraisal attaches to the case number and generally follows the property for 180 days, so switching lenders won’t get you a fresh number. That gives YOU more negotiation power though. On VA, the Tidewater process gives y
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