Hi Andy, not being aware of your credit history is definitely a point of angst for borrowers. I recommend getting prequalified with your lender first.

Hi Cameron, this actually would give you an opportunity to renegotiate the sales price. The problem with the appraisal coming in below the sales price is that you have the potential to be immediately underwater on the property. Your lender will base your loan amount off of your appraised value if it's lower than your…