What If the Appraised Value Comes in Low on a 203k? (3 Ways to Fix It!) 📉🏠

If the after-repair value (ARV) comes in lower than expected on a 203k loan, the lender still uses the ARV to set your total financing amount. A low ARV can shrink what you can borrow, but you have solid options to save the deal in 2026:

1. Request a second appraisal opinion by providing comps the appraiser missed (your lender can submit this).
2. Remove or scale back items from the bid to lower the total rehab cost and loan amount needed.
3. Go back to the seller with the appraisal report and ask for a price reduction since the home won't appraise or meet FHA minimum property standards. Watch this quick video to see how these fixes work and keep your project moving forward! 


Have you ever dealt with a low appraisal? Which option would you try first? Drop it below 👇 #203kLoan #HomeRenovation #AppraisalTips #FixerUpper #RealEstateTips