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No. Lender's use the appraisal as verification of collateral that the property would bring on the market for the "monies" they're loaning you.
If it appraises for only $180K, the appraisal is not going to back-it up. It's saying the property is not worth the $200K.There maybe ways around it, but for the most part it gets a little complicated.
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For Sale: $109,900
For Sale: $56,000
For Sale: $139,900