What Happens If My Home Doesn’t Appraise in Gaston County?

Few things create more anxiety for sellers than hearing the words:
“Your home didn’t appraise.”

But a low appraisal isn’t the end of the road, not when you’re working with Josh Finigan & The Finigan Group, who handle this situation with a proven strategy.

Why Low Appraisals Happen in Gaston County

Gaston County pricing has been rising quickly, especially around popular areas like Belmont, Cramerton, and Mount Holly.

However — appraisals often lag behind real-time buyer demand.

Appraisers must base value on closed sales, which may not reflect current competition, upgrades, or neighborhood momentum.

So while buyers may be willing to pay more, the appraisal may not agree.

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Josh’s Strategy When an Appraisal Comes in Low

If the appraisal misses the mark, Josh acts fast and decisively.

Option 1: Dispute the Appraisal With Evidence

Josh reviews the entire report for:

• Incorrect square footage
• Missing or outdated comparable sales
• Incomplete upgrade adjustments
• Location or neighborhood inaccuracies

He then builds a structured rebuttal for the lender — something most sellers never even attempt.

Option 2: Renegotiate Without Losing Your Advantage

If the buyer wants the home, Josh evaluates their financial flexibility and leverage points.

Possible solutions include:

• Buyer covering part or all of the gap
• A price shift that still protects your net
• A balanced split that keeps the deal moving

Josh knows how to preserve your proceeds while keeping the buyer engaged.

Option 3: Switch to a Stronger Buyer

Sometimes the original buyer isn’t the best fit.

If the offer was risky, low down payment, or aggressive, Josh may recommend replacing the buyer entirely — using backup offers or new demand to secure a better deal.

Strong buyers make appraisals easier. Weak buyers make them harder.

Josh knows the difference.