as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
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questioning my realtor
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a mortgage lender will not usually lend more than they could get if they had to repossess the property and sell it to recover their investment (in the u.s. it is generally accepted that 80% of market value is the golden number that makes the mortgage work).  that's why an appraisal is required. even with 50% down, the numbers might not add up if your property is appraised very low (extremely unlikely, though. it's more likely your realtor is inexperienced).
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