To your point I understand where you are coming from. The idea was posed to me from a mortgage broker, so I was posting it online to see if it was normal practice. From what I heard, this was pretty common in the industry so my assumption was that I would be an idiot not to do it. Now that I hear your side it makes me think otherwise. Obviously if it affects others then I will think about it. Thanks for your insight, it is well appreciated. On another note, what options do I have if the appraisal takes longer than the contingency period? That is actually a bigger concern for me at the moment.