It's the appraiser all the way. I always meet them, hand them the comps which pretty much tells them that I know the area & these are good. But ... you will have the rogue that thinks they know the market too & pulls comps from 5 miles away.

They do hurt the buyer & I always say that if the buyer wants to pay 'x' let them do it for doggone it's sake.

        During the last few years, I have challenged two appraisals... but neither was FHA.  Local appraisers, unique properties, I brought in other comps and got the valuation raised both times.   Win-win for everybody.

I worked with a buyer this year getting FHA financing and when the appraisal came back, it was 40K lower than purchase price.  We walked away since the seller refused to lower the price to appraise value. I found my client another home and we moved forward and closed.

The property closed a several of months later at a lower price.

Just had a USDA loan come in 15K low, met the Appraiser (he had chip on his shoulder from the moment we met) gave him my comps, expained seller just put in New bathroom top end everything with heated floor...in his appraisal stated bathroom remodel 11-15 years ago...not happy seller

I have been quite fortunate this year.  We have had several offers and listings that sold at record high prices and all have come in with good appraisals.  Meeting the Appraiser and bring quality comps is key to success.

We always tell our listing agents to meet the appraiser and show them comps to justify the house. We haven't had this issue locally. But occasionally we do get a low appraisal. Right now with our seller's market, our sellers are sticking firm to their price and usually the buyer brings in the additional funds to close.

No blocks, just cause for further negotiations

Yes, I have had the problem. I agree with Lynn Sims, you have to meet the appraiser and schmooz them a little. I find that they don’t like being the enemy, they just sometimes need a little help. It seems that everytime I had a chance to talk with the appraiser and extole the virtues of the house we get a positive result.

Have only had a couple FHAs over the years - never an issue...yet.

No.  Most of our transactions are cash or hard money.

My go-to for FHA/VA (national lender) texted me yesterday and asked if we were experiencing undue delays in FHA appraisals  . . . which we aren't  . . . but I have not been hearing about low appraisals. Your market's undergoing rapid appreciation, no?

Either way, it sucks for the buyer.

FHA loans are a very small part of our market.

Early this year I had a seller have to adjust price for a VA appraisal being low.  It was his best option for the timing and our market at the time.  However haven't had a problem lately, but have a FHA appraisal I'm waiting to come in next week so I'll see.

nope

No, because the appeal process works.

Not as of yet (fingers crossed)

No FHA loans out here.  99% conventional.

Not so far. We've been pretty fortunate with appraisals coming in at value. We've had a couple come in low, but not so far that it killed the deal, we were able to work it out. -K

Thankfully, no.  I have not worked with an FHA buyer in years.  

Not so far... Knock on wood!

Nope.

No... and I can't ever recall one doing so.

Not for over 2 years.

Had  a VA appriasal come in a little light earlier this year but the seller saw the benefits of lowering the price to the appraised value so nothing blocked. Christine Kankowski North SD and Temecula 

 I have had many homes not appraise (none of whic were my listing) this year and not just FHA and VA. I almost all cases the sellers came down. In on of the Conv cases, the appraisal was 9k off and buyer and seller met halfway with the buyer making up 4500 in cash. Two deals that did not appraise fell apart. These things happen in real estate. 

You can try meeting appraisers if you want but you are wasting your time. Just be nice on the phone and offer assistance if needed. I have actually had a few of the appraisers call me for comps prior to completing the low appraisal. Most appraisers want to help but if you meet them a the home with a fist full of comps you are only going to aggravate them. 

Propbably been over 5 years since I wrote an FHA or VA contract.

Lucky no FHA this year eneryone was a Conventional.

No.

Not so far

I have lost 2 deals due to bad appraisals. It is similar this year to what it was last year

I have not seen an FHA buyer this year at all: as a selling nor listing agent.

Christine Kankowski North SD and Temecula - almost!

Eventually, both parties agreed to meet half-the-way.

I have had one that created challenges but did not kill the sale.

Not this year but, they have in the past. It's so frustrating, I know, Christine!

No, I tend to avoid accepting offers with fha financing.

Nope and they rarely ever have. Of course the one’s that were low hurt!

No.