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Appeal a Low Appraisal in San Francisco: A Seller’s 2025 Guide

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  How Sellers Can Successfully Appeal a Low Appraisal in San Francisco Author:  Ms San Francisco Real Estate |  Last Updated:  November, 2025   A low home appraisal can stop a home sale cold, even after you and a buyer have agreed on a price. This is because lenders rely on appraisals to confirm a property’s value before approving a loan. Therefore, when an appraisal comes in below the sale price, it creates a financing gap. As a result, sellers often face a tough choice. For instance, you may have to renegotiate the price, hope the buyer can pay the difference, or put your home back on the market. As your trusted San Francisco real estate agent, Ms. San Francisco Real Estate is here to explain the process. In this guide, we’ll cover the common reasons for low appraisals. Additionally, we’ll give you a step-by-step plan to challenge a low valuation and protect your home’s true worth.   Why San Francisco Home Appraisals Can Be Tricky A home appraisal is an e...
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Negotiating After a Low Appraisal in San Francisco: A Buyer’s Guide

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  A Buyer’s Guide: How to Negotiate After a Low Appraisal in San Francisco Author:  Ms San Francisco Real Estate |  Last Updated:   November, 2025   A home appraisal is a key step in the mortgage process. In fact, in San Francisco’s competitive market, it is also a powerful negotiation tool. Demand is high. Consequently, bidding wars often push prices up. As a result, an objective appraisal is crucial. It protects you from overpaying. Furthermore, it gives you the leverage to secure a better deal. Ms. San Francisco Real Estate is your trusted agent in San Francisco, CA. Here, she explains how to use the appraisal process to your advantage. This is especially important when a valuation comes in lower than your offer.   What Is a Home Appraisal? A home appraisal is an unbiased assessment of a property’s fair market value. Importantly, it is always conducted by a licensed appraiser. Of course, lenders require an appraisal for a simple reason. They need to ensu...
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How Long Does a San Francisco Home Appraisal Take? (2025 Guide)

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  How Long Does a San Francisco Home Appraisal Take? (2025 Guide) Author:  Ms San Francisco Real Estate |  Last Updated:  October, 2025   If you are buying or selling a home in San Francisco, you will eventually need a home appraisal. It’s a key step because it determines the property’s official market value. This value, in turn, impacts your financing and the final sale price. In a fast market, of course, every day counts. For that reason, many people ask: how long does an appraisal take? Generally, a San Francisco home appraisal takes   7 to 10 business days . This clock starts when the appraisal is ordered and ends when the final report is ready. However, this timeline can sometimes change. Therefore, this guide will explain the appraisal timeline, show what can cause delays, and give you clear tips to keep your home sale on track.   What Is a Home Appraisal? Essentially, a home appraisal is a fair and professional opinion of a home’s value. A licen...
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