When a home appraisal comes in low in Orange County, buyers and sellers have five options: the buyer covers the gap in cash, the seller lowers the price to the appraised value, both sides meet in the middle, the buyer asks the lender for a reconsideration of value, or the deal cancels. Appraisals run low here because appraisers must build value from closed sales, at least three of them for a Fannie Mae loan, while contract prices reflect what buyers are competing to pay right now.[1]
- What a Home Appraisal Actually Measures
- Why Do Appraisals Come In Low in Orange County?
- How Appraisers Choose Comparable Sales
- What Happens When a Home Appraisal Comes In Low
- Your 5 Options When the Appraisal Comes In Low
- How a Reconsideration of Value Works
- The Appraisal Contingency and Your Deposit
- How Sellers Can Protect the Contract Price Before the Appraisal
- How Buyers Can Prepare for a Low Appraisal
- Cash Buyers, Jumbo Loans and Second Appraisals
- When Walking Away Is the Right Answer
- Frequently Asked Questions
- Sources and How This Guide Was Written
An accepted offer. An excited buyer. A seller ready to close. And then the home appraisal comes in low, below the contract price, and a transaction that was working for both parties hits a wall.
This is one of the most common and most misunderstood moments in a real estate transaction, particularly in a market like Orange County where buyers compete hard for the few good listings in Irvine or Huntington Beach in any given month. Most people do not understand what an appraisal is measuring until they are already standing in the middle of the problem, with a loan approval and a contingency deadline both hanging on one number.
This guide explains why appraisals come in low here and what you can do about it when one does. I will also tell you which ones I recommend, and when.
What a Home Appraisal Actually Measures
Most people assume a home appraisal is an objective measure of what their home is worth in the current market. That assumption leads to a lot of confusion and frustration when the number comes back lower than expected.
A home appraisal is an opinion of what a lender is willing to use as collateral for a mortgage, based on what comparable homes have sold for in the recent past. What a motivated buyer will pay this week is a different question. Those are two different things, and in a rising or low inventory market like Orange County they can be significantly different numbers.
Here is why. An appraiser has to support the value with closed sales, homes that have already closed and recorded. For a loan that will be sold to Fannie Mae, the appraisal must report at least three closed comparables, and those sales should generally have closed within the last twelve months. Active listings and homes still in escrow can appear in the report, but only as supporting data; they do not count toward the three.[1]
The appraiser looks backward. The market is moving forward.
Paula Aragone
Think about what that means in practice. A sale that recorded last month went under contract several weeks before that, so its price reflects negotiations that happened in a different market. If buyers have gotten more aggressive since, the appraiser is anchored to a number the market has already moved past.
The appraisal belongs to the loan
The appraisal is ordered by the lender, for the lender. The buyer usually pays for it, and the buyer has a legal right to see it: under the federal Equal Credit Opportunity Act rules, the lender must send a copy promptly upon completion or three business days before closing, whichever comes first, and it cannot charge for the copy itself.[4] The seller has no such right. If you are the seller, you learn about a low value because the buyer's agent tells you, usually along with a request.
One more distinction worth holding onto. An online estimate and an appraisal are different tools built for different people, and only the appraisal decides how much the lender will finance. I go through the others in my guide to valuing an Orange County home.
Why Do Appraisals Come In Low in Orange County?
Orange County is a low inventory, high demand market. Multiple offer situations are common in the active price ranges, and offers above list price follow from that. When it happens, the agreed contract price reflects current buyer competition. The appraiser, however, is anchored to closed comparable sales that went into contract weeks or months earlier.
The result: a buyer and seller agree on a price that reflects this week's market. The appraisal reflects last month's or last quarter's market. The gap between those two numbers is what creates an appraisal shortfall.
The thin comp problem
Timing is half of it. The other half is scarcity. A lot of Orange County housing is unusual by design. Think of a Corona del Mar cottage on a lot that will eventually carry a new build, or a Laguna Beach house where the view changes from one side of the street to the other. When there are only a handful of true comparables within a reasonable distance, the appraiser has to reach, either further back in time or further out in geography, and every reach adds an adjustment the appraiser has to defend.
Appraisers adjust conservatively, which is understandable. Their report is reviewed by an underwriter, and an aggressive adjustment for a remodeled kitchen or an ocean view is exactly the kind of line an underwriter questions. So when the data is thin, the number tends to land on the cautious side.
Where I see it most. Low appraisals cluster in two places in Orange County: homes that sold after a bidding war in a neighborhood with few recent closings, and one of a kind properties where the nearest real comparable is a mile away or eight months old. A standard tract home in Mission Viejo with six closed sales on the same street in the last quarter rarely surprises anyone.
The condition and features the appraiser cannot see in the data
Closed sales data is blunt. It records square footage, bedroom count, lot size and a sale price. It does not record that the comparable down the street had original 1978 bathrooms while yours were redone with permits two years ago, or that the comp backed onto a busy arterial while yours backs onto a greenbelt. The appraiser will see some of that on the inspection, but only knows what the comps looked like if somebody tells them. That is the opening for the seller's agent, and I will come back to it.
How Appraisers Choose Comparable Sales
If you understand the rules the appraiser is working under, a low number stops feeling arbitrary. Here are the ones that matter most for a conventional loan delivered to Fannie Mae, which sets the standard most lenders follow for conforming mortgages.
| Rule | What the Fannie Mae Selling Guide says | What it means for your deal |
|---|---|---|
| Minimum comps | At least three closed comparables must be reported in the sales comparison approach.[1] | Three good closed sales are the floor. Pending sales cannot replace them. |
| Age of comps | Comparable sales that closed within the last 12 months should be used; older sales are allowed when the appraiser explains why they are the best indicators.[1] | A neighborhood with few sales may force the appraiser to use older data that predates recent price gains. |
| Listings and pending sales | Contract offerings and current listings can be used as supporting data, if appropriate.[1] | Your strongest pending sale can support the value but cannot carry it alone. |
| Subject's prior sale | The subject property may be used as a fourth comparable if it previously closed.[1] | If the home sold recently at a much lower price, expect the appraiser to address it. |
Jumbo loans, which are common in Newport Coast and much of coastal Orange County, are not sold to Fannie Mae, so the lender's own appraisal policy applies. In my experience those lenders hold appraisals to standards at least as strict, and some order a second appraisal or a desk review on larger loans. Ask your loan officer early what the policy is. It is a two minute phone call that can change how you write the offer.
Adjustments are where the argument lives
Once the comps are chosen, the appraiser adjusts each one up or down for differences against your home: size, bedroom and bath count, lot, view, condition, garage, pool. The final value is a reconciliation of those adjusted prices. Most disputes I see are not about the comps themselves. They are about one or two adjustments, a view that was valued at nothing, or a remodel graded the same as a dated comparable. Those are fixable when you can document them.
What Happens When a Home Appraisal Comes In Low
The call usually comes from the buyer's lender to the buyer's agent, and from there to the listing agent. What happens next is rarely improvised by people who have been through it many times. The first two days decide most of the outcome.
- Get the full report, not the number. The buyer is entitled to a copy of the appraisal, and it should go to the buyer promptly once it is complete.[4] Read the comps and the adjustments before anyone proposes a solution.
- Check the contingency calendar. Find out exactly how many days remain on the appraisal and loan contingencies. That deadline decides how much time there is to negotiate or to ask for a reconsideration.
- Look for errors first. Wrong square footage, a missed bathroom, a pool that was not noted, a comp that is actually a different property type. Factual errors are the easiest thing to correct, and a lender may ask the appraiser to correct errors without breaching appraiser independence rules.[3]
- Pull the comps the appraiser did not use. The listing agent should already have a comparable sales package. Compare it against the report and see which closed sales were missed or underweighted.
- Run the numbers on every option. Before anyone negotiates, the buyer should know how much cash is actually available, and the seller should know the net proceeds on a reduced price, using a net sheet rather than a guess.
The worst thing either side can do in those 48 hours is send an emotional email. A low appraisal feels personal to a seller, as if someone has just said the home is worth less than they believed. It is a lending document. Treat it like one.
What the buyer's lender will do
The lender bases the loan on the lower of the purchase price and the appraised value. If the buyer was putting 20 percent down on the contract price, a low appraisal means the loan amount shrinks or the loan to value ratio rises, which can change pricing or mortgage insurance. Your lender is the only one who can tell you exactly how that plays out on your loan, and you want that answer in writing before you agree to anything.
Your 5 Options When the Appraisal Comes In Low
There are five options when an appraisal comes in below the contract price. Knowing all five before the situation arises is the difference between handling it calmly and being caught off guard.
Option 1. The buyer makes up the difference in cash
The buyer pays the gap between the appraised value and the contract price out of pocket, in addition to the down payment and closing costs. This requires having the liquidity available and the willingness to pay above the appraised value. In competitive Orange County price ranges, buyers often agree to this in advance through an appraisal gap commitment written into the offer.
Option 2. The seller reduces the price to the appraised value
The seller agrees to lower the contract price to match what the lender will finance. This is the most straightforward resolution but requires the seller to accept less than the original agreed price.
Option 3. Both parties negotiate a middle ground
The seller comes down partway and the buyer comes up partway, splitting the difference. This is often the most common resolution when both parties are motivated to close and neither wants the transaction to fall apart. It does not have to be a clean fifty fifty. A seller credit toward closing costs or a rent back can sit on the table alongside the price.
Option 4. The buyer asks for a reconsideration of value
This process involves submitting additional comparable sales that the appraiser may have missed or not weighted appropriately. A reconsideration of value works more often than most people realize when the comparable sales genuinely support a higher value, and it is a step worth taking before accepting a lower price or walking away. The next section covers how it actually works.
Option 5. The transaction falls apart
If neither party is willing or able to bridge the gap, the buyer walks, what happens to the earnest money depends on the contingencies in the contract, and the seller relists. This is the worst outcome for both parties and is usually avoidable with the right preparation and negotiation.
| Option | Who gives up money | Works best when | Watch out for |
|---|---|---|---|
| Buyer covers the gap | Buyer | The buyer has reserves beyond the down payment and closing costs | Draining the cash cushion you need after you move in |
| Seller reduces price | Seller | The listing has been on the market a while or backup offers are weak | Agreeing before checking whether the report has errors |
| Split the difference | Both | Both sides want to close and the gap is modest | Losing days on the contingency clock while negotiating |
| Reconsideration of value | Nobody, if it works | Better comps genuinely exist | Only one borrower request per appraisal on a Fannie Mae loan |
| Cancel | Both lose time; deposit depends on the contract | The gap is large and the buyer has a live contingency | Relisting with a disclosed low appraisal in the history |
My own view: if the comps support it, try the reconsideration first, and negotiate in parallel rather than in sequence. Waiting for an answer before you talk about price burns contingency days you cannot get back. If the comps do not support it, a split is usually the right answer, and the seller who refuses to move at all is often making a costly mistake. The next buyer's lender will order a new appraisal from the same closed sales.
How a Reconsideration of Value Works
A reconsideration of value, usually shortened to ROV, is a formal request through the lender asking the appraiser to look at the value again in light of information the report missed. It used to be an informal, lender by lender process. That changed in 2024, when the Federal Housing Finance Agency announced standardized reconsideration of value policies for Fannie Mae and Freddie Mac, including required disclosures to borrowers, a standard format for communications to appraisers, expected response times and referral of possible discrimination violations to the appropriate agencies.[5]
Under the current Fannie Mae Selling Guide, lenders must have a process for a borrower initiated ROV and must give the borrower a disclosure explaining it when the appraisal report is provided. That disclosure must make clear that only one borrower initiated ROV is permitted per appraisal.[2]
What goes into the request
- Borrower name, property address, the appraisal's effective date, the appraiser's name and the date of the request[2]
- A clear description of the parts of the report you believe are unsupported or inaccurate[2]
- Additional data or comparable properties, not to exceed five, with the source of each[2]
- An explanation of why the new information supports a different conclusion[2]
The lender reviews the request before it goes to the appraiser, and may come back to the borrower for anything missing. After the loan closes, the borrower can no longer submit an ROV.[2]
One shot, so make it count. Because you get one borrower request per appraisal, I would never send a rushed list of every sale in the zip code. Five well chosen comparables, each with a one line reason it is closer to the subject than what the appraiser used, will do more than fifteen weak ones.
What makes an ROV succeed
Comps that are closed, recent, close by and similar. A sale from the same tract that closed after the appraiser pulled data. A comparable with the same view orientation the appraiser treated as a non view property. Documentation of a permitted remodel the report graded as average condition. A corrected square footage backed by a recorded plan. Those are arguments an appraiser can accept on the record.
What fails is opinion. "The buyers loved it" and "we had six offers" are true and irrelevant to the appraiser. So is the list price of a home that has been sitting for ninety days. And an ROV is never a way to pressure the appraiser: federal rules prohibit anyone from causing a value to rest on anything other than the appraiser's independent judgment.[3]
How long it takes
Plan on days, not hours. The lender reviews the request first. Only then does it go to the appraiser through the lender's own channel, and the answer comes back as a revised report or an explanation of why the value stands. If your appraisal contingency expires in four days, ask for a written extension at the same time you submit the ROV, so nobody is forced to decide before the answer comes back.
Facing a low appraisal right now?
Send Paula the appraisal and your contract dates. She will review the comps and adjustments and tell you which of the five options fits before your contingency runs out.
Schedule a Free ConsultationThe Appraisal Contingency and Your Deposit
Everything in the five options depends on one question: does the buyer still have an appraisal contingency, and for how long?
In a California purchase contract, the appraisal contingency is what lets a buyer cancel if the property does not appraise at the purchase price. The number of days and whether it has been removed are written into each deal, and the forms change from time to time, so read your own contract instead of relying on a rule of thumb. If the contingency is still in place and the appraisal is low, the buyer generally has the right to cancel within the terms of the contract. If the buyer has already removed it, or waived it in the offer, the buyer's earnest money deposit is exposed if the buyer cannot close.
That is why I tell buyers in competitive situations to think carefully before removing the appraisal contingency on day one to win a house. It is a legitimate strategy, but only for a buyer who has the cash to cover a realistic gap. Waiving the protection without the money behind it is a bet that the appraisal comes in, with the deposit as the stake.
Appraisal gap language
A middle path is a written promise to cover a gap up to a specific dollar amount. The seller knows the buyer will absorb, say, the first portion of any shortfall, and the buyer knows exactly how much exposure exists. In my experience this is the cleanest way to make an offer stronger without pretending the appraisal risk does not exist. Your agent and, where needed, your attorney should draft the wording, because a vague promise invites a fight later.
Sellers comparing offers should look hard at this. A higher price with no gap coverage can net less than a slightly lower price with real coverage behind it. I walk through how to compare offers that way in why negotiation beats staging.
How Sellers Can Protect the Contract Price Before the Appraisal
A well prepared listing package that includes the strongest available comparable sales can influence an appraisal outcome. Your agent should be providing that package to the appraiser at the time of the appraisal inspection, not after the fact.
This is allowed. Federal valuation independence rules say that asking an appraiser to consider additional, appropriate property information, including information about comparable properties, does not violate appraiser independence.[3] What crosses the line is pressure, such as suggesting a target number or hinting at future business. A good package does none of that. It simply makes sure the appraiser has the facts.
What goes into a strong appraisal package
- The closed sales you believe are the best comparables, with addresses, sale dates and why each is relevant
- Pending sales in the neighborhood, flagged as pending, as support for the trend
- A list of improvements with dates and permit numbers, from the roof to the kitchen
- Anything the data will miss, such as a view corridor or a lot that backs onto open space
- For a condo or a home in an HOA, the features that distinguish this unit from others in the same community
- A copy of the purchase contract, which lenders typically provide to the appraiser anyway
Meet the appraiser at the property if you can, hand over the package, answer questions and then leave them alone. Hovering during the inspection helps nobody.
Pricing is the first defense
The best protection against a low appraisal happens before the home is listed. A list price that the closed comps can support, with room for competition to push it up, gives the appraiser a defensible path to the contract price. A list price set to match a neighbor's hope, or an online estimate, leaves a gap no package can close. This is one of the tests I suggest sellers apply in choosing a listing agent: ask how they arrived at the price and which closed sales support it.
I have watched sellers win a bidding war and lose the deal three weeks later because the winning price had no comps under it. The highest offer is only the best offer if it can close.
How Buyers Can Prepare for a Low Appraisal
Knowing how appraisals work before making an offer helps you decide how much you are willing to pay above what a lender might appraise the property for, and whether you have the cash reserves to cover a potential gap on top of your down payment and closing costs. In a competitive Orange County market, being financially prepared for an appraisal shortfall is part of making a strong offer.
Do the gap math before you bid
Take a hypothetical. You are approved with 20 percent down and you offer above list on a Tustin townhome after a multiple offer week. If the appraisal comes in a few percent under your price, the lender lends against the appraised value, and every dollar between that value and your price is cash you bring to closing on top of the down payment. Ask your lender to run that scenario at a couple of shortfall levels before you write the offer. The numbers are rarely as frightening as people expect, and knowing them lets you bid with a clear head.
| Question for your lender | Why it matters |
|---|---|
| Does a lower appraised value change my rate or mortgage insurance? | A higher loan to value ratio can change the cost of the loan, not only the cash needed. |
| Is this loan going to Fannie Mae, Freddie Mac, FHA or held as a jumbo? | The reconsideration of value rules and the comp standards depend on who sets the guidelines. |
| How long does your ROV process usually take? | You want the answer to fit inside your contingency period. |
| When will the appraisal be ordered? | Early ordering buys time to respond if the value is short. |
Read the appraisal yourself
You have the right to a copy, and the lender must also tell you about that right in writing within three business days of your application.[4] Read it. Buyers notice things agents miss, like a comp on the far side of a major street or a backyard description that is plainly a different house.
If you are buying and selling at the same time, a low appraisal on the purchase can ripple back into your sale timeline. I explain how to plan for that in buying in Orange County before selling.
Cash Buyers, Jumbo Loans and Second Appraisals
A cash buyer has no lender and therefore no lender appraisal. Some cash buyers order one anyway for their own peace of mind, and some contracts make the purchase contingent on it. If yours does, the same negotiation applies, except there is no reconsideration process through a lender: the buyer either negotiates with the number in hand or cancels within the contract terms.
On larger loans the story changes in the other direction. Jumbo lenders in coastal Orange County set their own appraisal policies, and some require a second appraisal above a certain loan amount, in which case the lender typically relies on the lower of the two. In my experience that makes thin comp properties in Newport Coast or Shady Canyon the most exposed to an appraisal problem, because two appraisers have to find support instead of one. Ask about it on day one.
Can you just order a new appraisal?
Sometimes. Lenders are allowed to obtain multiple valuations and select the most reliable one,[3] and switching lenders mid escrow means a new appraisal from a new appraiser. But a new appraiser looks at the same closed sales. Unless the first report contained real errors or missed real comps, a second appraisal often lands in the same neighborhood, and you have spent money and days to learn it. I would only go that route when the first report is clearly flawed and the lender's own process will not fix it.
For luxury listings with genuinely few comparables, the agent's experience matters more than usual. I wrote about the questions to ask in choosing a luxury real estate agent in Orange County.
When Walking Away Is the Right Answer
Most low appraisals end in a closed deal. Not all of them should.
For a buyer, a large gap after a bidding war can be a useful warning. If the appraiser could not find closed sales within several percent of your price, and your own review of the comps agrees, you may have paid what the moment demanded and more than the house supports. Covering that gap with cash means starting ownership with less equity than you planned. If you still have the contingency and the seller will not move, cancelling is a reasonable business decision rather than a failure.
For a seller, the calculation is different. Before refusing to adjust, ask what happens if you relist. The next buyer, if financed, gets an appraisal from the same pool of closed sales. You will have lost weeks of carrying costs, which add up quickly, as I lay out in what it costs to sell a house in Orange County, and the listing history will show that the home went into escrow and came back. A modest price adjustment now is very often cheaper than that.
I have seen it work both ways. Some sellers held firm and relisted, and found a cash buyer at the original price in a hot week. Others relisted and sold for less than the appraisal they turned down. Nobody can promise which way it goes, which is exactly why the decision should rest on the comps rather than on pride.
The appraisal is not the end of the road. It is a moment that catches a lot of buyers and sellers off guard, and preparing for it is what separates a transaction that closes smoothly from one that falls apart at the finish line.
Frequently Asked Questions
What does it mean when a home appraisal comes in low?
A low appraisal means the lender's appraiser assigned the property a value below the agreed contract price. Since lenders base the loan on the lower of the price and the appraised value, the buyer must either make up the gap in cash, renegotiate the price with the seller, ask for a reconsideration of value, or risk losing the transaction.
Can you negotiate the price after a low appraisal in California?
Yes. A low appraisal typically reopens the price. The most common outcomes are the seller reducing the price to the appraised value or the buyer and seller splitting the gap, and some buyers simply pay the difference. If the buyer still has an appraisal contingency, the buyer can generally cancel under the terms of the contract if no agreement is reached.
What is a reconsideration of value and does it work?
A reconsideration of value is a formal request through the lender asking the appraiser to revisit the valuation, typically by submitting comparable sales that were missed or underweighted. On a Fannie Mae loan the borrower gets one such request per appraisal and may include up to five alternative comparables.[2] It works best in fast moving markets like Orange County when recent closed sales genuinely support the contract price.
Why do appraisals come in low in Orange County specifically?
Orange County is a low inventory, high demand market where buyers frequently compete above list price. Appraisers must base value on closed sales, and for a Fannie Mae loan at least three closed comparables are required, so pending sales and listings can only support the number.[1] When prices move faster than closings, contract prices can outrun what the closed data supports.
How can a seller protect their contract price during an appraisal?
The most effective step is having the listing agent give the appraiser a well prepared comparable sales package at the inspection, before the report is written. Federal rules allow anyone to ask an appraiser to consider additional, appropriate information about comparable properties, as long as nobody pressures the appraiser toward a number.[3]
Does the seller get a copy of the buyer's appraisal?
Not automatically. The appraisal belongs to the buyer's loan, and federal rules require the lender to give the buyer, as the applicant, a copy.[4] Sellers usually see it only when the buyer's agent shares it to support a price request, and it is fair to ask for the full report before agreeing to any reduction.
Can the real estate agent talk to the appraiser?
Yes, within limits. Providing comparable sales and property information, and asking for factual errors to be corrected, are expressly permitted under federal valuation independence rules.[3] Suggesting a target value or applying pressure is not.
Should I waive the appraisal contingency to win a house in Orange County?
Only if you have the cash to cover a realistic gap between the appraised value and your offer. Without the contingency, a buyer who cannot close because of a low appraisal can put the earnest money deposit at risk. A written appraisal gap commitment up to a fixed dollar amount is often a safer way to strengthen the offer.
Can I ask for a second appraisal if the first one is low?
You can ask, and lenders are permitted to obtain more than one valuation and use the most reliable one.[3] A second appraiser works from the same closed sales, though, so a new report usually helps only when the first one contained real errors or missed real comparables.
Sources and How This Guide Was Written
Every rule in this guide was read from the primary source while it was being written, mainly the Fannie Mae Selling Guide and the federal regulations on appraisals, with the 2024 FHFA announcement for the history of the ROV policies. C.A.R. purchase agreement forms are restricted to members, so contract terms are described in general and should be checked against your own contract.
- Fannie Mae Selling Guide section B4-1.3-08, Comparable Sales, setting the minimum of three closed comparables and the 12 month guideline. Read the guide section
- Fannie Mae Selling Guide section B4-1.3-12, Appraisal Quality Matters, covering lender policies for borrower initiated reconsiderations of value, including the one request limit and the cap of five alternative comparables. Read the guide section
- Regulation Z, 12 CFR 1026.42, which prohibits influencing a valuation and lists permitted actions such as providing comparable property information and asking for errors to be corrected. Read the regulation
- Regulation B, 12 CFR 1002.14, requiring creditors to give applicants copies of appraisals promptly or three business days before consummation and to notify them of that right. Read the regulation
- Federal Housing Finance Agency announcement of May 1, 2024 on standardized reconsideration of value policies for Fannie Mae and Freddie Mac. Read the announcement
Lending guidelines and contract forms are revised from time to time, so confirm the current rules with your lender and the terms of your own purchase agreement with your agent or attorney before you rely on them.
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New posts every week on buying and selling homes in Orange County. Subscribe to the blog or listen to the podcast on Spotify. You can also find Paula on Instagram and YouTube.
Paula Aragone
Aragone & Associates
949-415-4784 | [email protected]
Paula Aragone, CA DRE #01364746
Aragone & Associates | First Team Real Estate, CA DRE #01008773
4 Corporate Plaza Dr #100, Newport Beach, CA 92660
This article is general information about home appraisals in a real estate purchase and is not legal or lending advice; Aragone & Associates are not attorneys or lenders, so confirm loan terms with your lender and contract rights with qualified legal counsel before you act.
Tags: low appraisal, home appraisal Orange County, appraisal came in low, reconsideration of value, appraisal gap, appraisal contingency California, comparable sales, Orange County real estate
Paula Aragone
Aragone & Associates | First Team Real Estate
Paula has spent 23 years in Orange County real estate, with more than 900 transactions and over $900 million in sales behind her. She holds the CPRES, SRES, Certified Luxury and Certified Relocation Specialist designations, is a member of Luxury Portfolio International, and went to law school before building her practice around probate, trust, divorce and luxury property.
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