ContractsIntermediateArizona Exam

In an Arizona purchase contract, if the appraisal comes in below the agreed purchase price, the buyer typically may:

AOnly proceed at the original contract price, because Arizona courts have held that a signed purchase contract is fully binding despite an appraisal shortfall
BRequest a formal appraisal reconsideration through the lender and, if denied, obtain a second licensed appraisal at the buyer's expense before exercising any contract rightsCorrect
CCancel the contract and receive their earnest money back (under an appraisal contingency), renegotiate, or pay the difference in cash
DInvoke the mandatory price adjustment clause in the AAR purchase contract, requiring the seller to reduce the price to the appraised value within five business days

Why Request a formal appraisal reconsideration through the lender and, if denied, obtain a second licensed appraisal at the buyer's expense before exercising any contract rights Is Correct

Answer B: Request a formal appraisal reconsideration through the lender and, if denied, obtain a second licensed appraisal at the buyer's expense before exercising any contract rights

If the property appraises below the contract price and there is an appraisal contingency, the buyer can cancel and recover their earnest money, renegotiate the price, or agree to pay the price difference above appraised value out of pocket.

Exam Tip: Contracts

Contract questions frequently test the essential elements required for a valid contract. Remember: competent parties, mutual consent, lawful object, and sufficient consideration. Watch for void vs. voidable distinctions.

Key Contracts Terms in This Question

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