
- Start Here
- Buy a Home
- Buyer Start Here
- Step 1 – First Introduction
- Step 2 – Discovery Call
- Step 3 – Lender Call
- Step 4 – Reviewing Your Home Search
- Step 5 – Pre-Qualification
- Step 6 – Touring Homes
- Step 7 – Writing Offers
- Step 8 – Going Under Contract
- Step 9 – Opening Escrow
- Step 10 – Inspection Period
- Step 11 – Appraisal Period
- Step 12 – Move-In / Move-Out Prep
- Step 13 – Final Walk-Through
- Step 14 – Signing Closing Documents
- Step 15 – Receiving Your Keys
- Step 16 – Closed Client Care Program
- Buyer Journey Wrap-Up
- Buyer Resource Hub
- Buyer FAQ
- Sell a Home
- Seller Start Here
- Step 1 – Discovery Call
- Step 2 - Identifying the Ideal Buyer
- Step 3 - Visual Storytelling & Home Prep
- Step 4 - Pricing & Positioning Game Plan
- Step 5 - Creating Pre-Market Buzz
- Step 6 - Digital Campaign Blueprint
- Step 7 - MLS & Listing Launch
- Step 8 - Promoting Across Sphere & Local Networks
- Step 9 - Gathering Buyer Feedback
- Step 10 - Adjusting Strategy if Needed
- Step 11 - Reviewing & Negotiating Offers
- Step 12 - Accepting the Best Offer
- Step 13 - Escrow & Initial Paperwork
- Step 14 - Inspections & Repair Negotiation
- Step 15 - Appraisal & Financing Confidence
- Step 16 - Final Walkthrough & Closing
- Seller Journey Wrap-Up
- Seller Resource Hub
- Seller FAQ
- Rent or Lease
- Cities
- Communities
- Lifestyle Homes
- Work With Us
- Sphere Core Corner
- About Sphere
- MORE
- Register
- Sign In

Step 15: Appraisal & Financing Confidence
One home. One lender. Two green lights required — value and loan approval.
🧾 What Happens at This Stage?
Once repairs (if any) are settled, the buyer’s lender will order an appraisal to confirm the home’s value matches or exceeds the purchase price.
At the same time, the buyer’s loan approval is moving through final underwriting.
“This is where clarity and paperwork meet — and where we stay one step ahead.”
🔎 What We’re Watching Closely
✔ Appraised value vs. contract price
✔ Buyer loan conditions & underwriting status
✔ Communication from the lender on timing
✔ Any risk of delays or financing issues

📉 What If the Appraisal Comes In Low?
Don’t worry — we’ve seen it all. If the value is below the contract price, we’ll walk you through options like:
✔ Buyer covering the gap
✔ Price negotiation
✔ Appraisal dispute or reconsideration
✔ Cancelling (rare — last resort)

💰 Financing Confidence = Fewer Surprises
We stay in close contact with the lender and buyer’s agent — ensuring everything is on track so you don’t get blindsided days before closing.
Let’s secure the final green lights — and keep your deal moving forward.