(Note that these are for very well qualified folks that have the need for speed.

You can then take the time to understand the best entities to be used and can adjust it later.

And if closing speed is a concern, just have HML lined up before offering

What the person making the change sees is "just a little adjustment" but someone with intimate knowledge of how it all goes together can see a host of things that touch it.

The appraisal was ultimately adjusted and we were able to get the value we needed.

It was akin to getting a speeding ticket.

hello BP, I am just curious to know how to structure a contact in order to protect yourself from low appraisal and also how to make seller responsible for fees associated with the appraisal cost in case they don't want to agree to adjust the price. 

., and then make sure you buy it at the appropriate price.I just looked at two houses, both built in a 100-year flood plain behind a creek (although they have never flooded), and I adjusted my numbers based on that.

It will also likely help resale value or speed if you use a new color that is more in vogue if the color needs a refresh.

A pre-payment discount, this comes out of the Old West, you're not going to discount the initial principal and interest agreed to originally, that is a forgiveness of debt to a borrower, a taxable issue, if you structure it in revers to pay more over a longer period of time, you can have an illegal adjustable rate.The most helpful posts from the old timers would be about real estate and that would also be after they caught up with laws that have changed as many of the old timers did things that are considered predatory dealing today........why the past such laws with old clever ways of putting others at a disadvantage.