05/25/2026
Many clients and realtors believe that, as mortgage brokers, our role is simply to obtain an appraisal to support the purchase price. However, our responsibility goes much deeper than that.
In this particular case, instead of just accepting the numbers at face value, we took the time to fully understand the appraisal report, analyze the market data, and have detailed discussions with the right professionals involved in the transaction. After careful review, we strongly believed our client was paying above market value.
By working closely with trusted partners who helped educate and guide our client through the process, we were able to prepare a detailed report and present the right information to the appropriate parties. As a result, our client saved over $60,000.
This is why it’s extremely important to properly review all aspects during the COF (Condition Upon Financing) period — including income, down payment, and appraisal value.
Sometimes the best advice is not just getting the deal approved, but making sure the client is making the right financial decision long term.
