on february of 2010 we applied for a home loan from loan star nation bank. we got approved for a home with a contract price of 198K. We then submitted the paper works they asked for and signed all the paper work needed and got the home built. The home is finished now and passed all inspections. the bank said the (FHA loan) has requested for an appraisal and that appraisal came low. the appraisal was only 180K. Does this mean we will never get to own this home? we don't have 18K to pay for the under value. What would be my best move right now? I asked the builder to lower the price by 10K since he tagged in 10K on the actual price of 188K for closing. the agreement was 198K and the builder would pay for all closing cost. The builder however told me when I mentioned to lower the house cost by 10K, not to worry that the bank will take care of this problem. I'm just really worried that we put so much time and effort into building this house and it doesnt seem that we will be living in this house anytime soon. Any information would really help.