<prompt> Human: My wife and I have been living in the house I grew up in the past year, paying utilities only. However, its in rough shape and is always cold so she wants out ASAP. So, aroind a month ago we found condo weike and agreed with the sellers to a purchase price of 110,000. We were going through quicken and would only have to pay around 6000 in down and closing. Everything seemed to be going well. However, this week the appraisal came back at 90,000 so quicken will not give us any more than that. We cant afford the rest out of pocket but still want the condo. Our realtor is working to figure out if the appraiser was wrong but in the meantime were trying to figure out a way to pay it My wife and her parents had the idea of opening a chase card with 15 months no interest using her parents card too if we cant max the chase card for the full 20000 and refinancing that debt into a conventional loan at the end of the 15 months. Im very wary of this idea and dont know if it will work or if its smart. Are there any other options we have or do we have to give up on this condo?Also, the loan is in her name since it helped us get a lower down payment. Her score is in the 730s.  <response>: renegotiate the asking price. If they wont budge move on. Appraisers are there for a reason 