re: Update --- Mortgage underwriter doesn't agree with appraisal

I don't doubt a word you posted.

However none of that is the OP's problem. If this is a normal transaction an offer was made and earnest money paid conditional of appraisal. The fact the buyer is unable to secure financing is not the sellers problem.

As the owner I would stay out of this and let it play out how it will. JMHO

To the buyer I would request another appraisal by a third party at the underwriter's expense if they have issues with the veracity of a certified appraisal. If they refused I would find a new mortgage broker ASAP.

Every person involved in this transaction is being paid by the buyer, they defacto work for him/her, always keep that in mind.