A lender cannot finance a loan above what a real estate appraiser determines the value
to be. Often a seller will lower their sales price to match the appraised value but it
is possible to file an appeal with the VA in the event of a low appraisal. This method
does not commonly lead to a significant change of the original appraised value. As a
buyer, you also have the right to pay the difference beyond the appraisal value,
negotiate with the seller, or walk away from the property.