I believe my home is valued higher than the appraisal, what can I do?

The market value of your home changes with the conditions in the real estate market. In other words, supply & demand. When there are more sellers than there are buyers, it is said to be a "Buyer's Market". Typically, homes sell for less than the price the seller is asking and the seller may have to give the buyer something as an inducement to buy. This is called a seller concession and includes such things as: paying some or all of the buyer's closing costs, allowances for carpet, painting, roof or pool repair, or even financing a second lien on the property. This is a good time to buy, but not necessarily a good time to sell!

When there are more buyers than there are sellers, it is a "Seller's Market". Typically homes sell for, at least, the asking price or more. Buyers in this market are faced with a limited choice of available homes and must compete with other buyers. This is a good time to sell, but not a good time to buy. Of course, there is also a "Stable Market". This market usually enjoys a modest increase in home values. Typically due to buyer and seller motivations. Each of these market conditions directly affects the market value of your home.