<prompt> Human: The loan is one for the full amount, no down payment. I know that my or any mortgage company will not loan more than the home is worth. What are my options?  <response>: Did you have an appraisal contingency in your offer? If so, you can probably just walk away and get your earnest money back. Depending on how motivated the seller is, you could also use this as an opportunity to re-negotiate on price.If you are set on buying this house at this price, then you will need to work with your bank to see what theyre willing to do. You may need to put more down, for example, so that your loan amount is for x of the appraised amount. 