{"id":208302,"date":"2023-10-25T21:21:03","date_gmt":"2023-10-25T21:21:03","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/"},"modified":"2023-10-25T21:21:03","modified_gmt":"2023-10-25T21:21:03","slug":"what-happens-if-your-appraisal-comes-in-low-when-refinancing","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/","title":{"rendered":"What happens if your appraisal comes in low when refinancing?"},"content":{"rendered":"<p>When refinancing your mortgage, your home will need to be appraised to determine its current market value. If the appraisal comes in lower than expected, it can have significant implications for your refinancing process. <\/p>\n<p><strong>In the case of a low appraisal during refinancing, you may face several challenges. Lenders may reduce the amount they are willing to lend, which could result in a higher down payment or additional fees. In some cases, your refinancing application could be denied altogether.<\/strong><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#FAQs\" title=\"FAQs:\">FAQs:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#1_Why_is_a_home_appraisal_necessary_when_refinancing\" title=\"1. Why is a home appraisal necessary when refinancing?\">1. Why is a home appraisal necessary when refinancing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#2_What_factors_can_influence_a_low_appraisal\" title=\"2. What factors can influence a low appraisal?\">2. What factors can influence a low appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#3_Can_I_challenge_a_low_appraisal_during_the_refinancing_process\" title=\"3. Can I challenge a low appraisal during the refinancing process?\">3. Can I challenge a low appraisal during the refinancing process?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#4_What_if_I_disagree_with_the_appraisal_value\" title=\"4. What if I disagree with the appraisal value?\">4. What if I disagree with the appraisal value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#5_How_does_a_low_appraisal_affect_my_refinance_loan_amount\" title=\"5. How does a low appraisal affect my refinance loan amount?\">5. How does a low appraisal affect my refinance loan amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#6_Will_I_have_to_pay_for_a_new_appraisal_if_the_first_one_comes_in_low\" title=\"6. Will I have to pay for a new appraisal if the first one comes in low?\">6. Will I have to pay for a new appraisal if the first one comes in low?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#7_Can_I_choose_my_own_appraiser_for_a_refinance_appraisal\" title=\"7. Can I choose my own appraiser for a refinance appraisal?\">7. Can I choose my own appraiser for a refinance appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#8_How_can_I_prepare_my_home_for_a_refinancing_appraisal\" title=\"8. How can I prepare my home for a refinancing appraisal?\">8. How can I prepare my home for a refinancing appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#9_Can_I_cancel_my_refinance_application_if_the_appraisal_comes_in_low\" title=\"9. Can I cancel my refinance application if the appraisal comes in low?\">9. Can I cancel my refinance application if the appraisal comes in low?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#10_How_long_does_a_refinance_appraisal_process_take\" title=\"10. How long does a refinance appraisal process take?\">10. How long does a refinance appraisal process take?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#11_Will_a_low_appraisal_affect_my_credit_score\" title=\"11. Will a low appraisal affect my credit score?\">11. Will a low appraisal affect my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#12_Can_I_request_a_copy_of_the_appraisal_report\" title=\"12. Can I request a copy of the appraisal report?\">12. Can I request a copy of the appraisal report?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Why_is_a_home_appraisal_necessary_when_refinancing\"><\/span>1. Why is a home appraisal necessary when refinancing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA home appraisal is required by lenders to assess the current value of your property, which helps determine the amount of money they are willing to lend you.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_factors_can_influence_a_low_appraisal\"><\/span>2. What factors can influence a low appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nFactors such as a declining housing market, poor property condition, or inaccurate comparables used by the appraiser can contribute to a low appraisal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Can_I_challenge_a_low_appraisal_during_the_refinancing_process\"><\/span>3. Can I challenge a low appraisal during the refinancing process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou have the right to challenge a low appraisal by providing additional information or requesting a second appraisal. However, the outcome is not guaranteed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_if_I_disagree_with_the_appraisal_value\"><\/span>4. What if I disagree with the appraisal value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you disagree with the appraisal value, you can submit a rebuttal to the lender outlining your reasons for believing the appraisal is inaccurate. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_How_does_a_low_appraisal_affect_my_refinance_loan_amount\"><\/span>5. How does a low appraisal affect my refinance loan amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA low appraisal can result in the lender offering you a lower loan amount than you originally anticipated. This could mean having to come up with a larger down payment or paying mortgage insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Will_I_have_to_pay_for_a_new_appraisal_if_the_first_one_comes_in_low\"><\/span>6. Will I have to pay for a new appraisal if the first one comes in low?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn some cases, the lender may require you to pay for a new appraisal if the first one comes in low. However, some lenders may cover the cost themselves.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_choose_my_own_appraiser_for_a_refinance_appraisal\"><\/span>7. Can I choose my own appraiser for a refinance appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile you cannot choose your own appraiser directly, you can request that the lender assign an appraiser who is familiar with your local market to ensure a more accurate valuation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_can_I_prepare_my_home_for_a_refinancing_appraisal\"><\/span>8. How can I prepare my home for a refinancing appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo increase the chances of a higher appraisal value, you can make minor repairs, declutter, and provide information on any recent upgrades or improvements made to your property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_cancel_my_refinance_application_if_the_appraisal_comes_in_low\"><\/span>9. Can I cancel my refinance application if the appraisal comes in low?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the appraisal comes in low and you are no longer satisfied with the terms offered by the lender, you have the option to cancel your refinance application.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_How_long_does_a_refinance_appraisal_process_take\"><\/span>10. How long does a refinance appraisal process take?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe refinance appraisal process typically takes a few days to a week to complete, depending on the availability of the appraiser and the complexity of the property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Will_a_low_appraisal_affect_my_credit_score\"><\/span>11. Will a low appraisal affect my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA low appraisal itself will not affect your credit score. However, if the refinancing does not go through and you apply for another loan, the additional inquiries may impact your score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_request_a_copy_of_the_appraisal_report\"><\/span>12. Can I request a copy of the appraisal report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you have the right to request a copy of the appraisal report from the lender. This can help you understand how the value of your home was determined and whether there are any errors that need to be addressed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When refinancing your mortgage, your home will need to be appraised to determine its current market value. If the appraisal comes in lower than expected, it can have significant implications for your refinancing process. In the case of a low appraisal during refinancing, you may face several challenges. Lenders may reduce the amount they are &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What happens if your appraisal comes in low when refinancing?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#more-208302\">Read more<span class=\"screen-reader-text\">What happens if your appraisal comes in low when refinancing?<\/span><\/a><\/p>\n","protected":false},"author":53,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-208302","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What happens if your appraisal comes in low when refinancing?<\/title>\n<meta name=\"description\" content=\"When refinancing your mortgage, your home will need to be appraised to determine its current market value. 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If the appraisal comes in lower than expected,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - Free Credit Card Generator [100% Valid]\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/synchronyfinancial\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-25T21:21:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2020\/07\/namso-gen-logo.png\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"164\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Chelsea Hooper\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@synchrony\" \/>\n<meta name=\"twitter:site\" content=\"@synchrony\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chelsea Hooper\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/\"},\"author\":{\"name\":\"Chelsea Hooper\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/cd57c4de58d2ceab0d743893b3d1cd1b\"},\"headline\":\"What happens if your appraisal comes in low when refinancing?\",\"datePublished\":\"2023-10-25T21:21:03+00:00\",\"dateModified\":\"2023-10-25T21:21:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/\"},\"wordCount\":552,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#organization\"},\"articleSection\":[\"Learn\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/\",\"url\":\"https:\/\/namso-gen.co\/blog\/what-happens-if-your-appraisal-comes-in-low-when-refinancing\/\",\"name\":\"What happens if your appraisal comes in low when refinancing?\",\"isPartOf\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#website\"},\"datePublished\":\"2023-10-25T21:21:03+00:00\",\"dateModified\":\"2023-10-25T21:21:03+00:00\",\"description\":\"When refinancing your mortgage, your home will need to be appraised to determine its current market value. 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