I'm in the process of purchasing my next foreclosure and the bank called to inform me that they have to stop working on my loan because the appraisal came back stating the property did not meet C4 conditions and mentioned the place was in habitable due to poor floor covering(stained rugs loose tiles), holes in walls, urine smells and broken window panes.

(Things you normally see with vandalized properties that sit vacant for a length of time .) is what I thought.

All of the items he listed seems to be cosmetic in nature nothing that can't be corrected.. Seeing that it was a foreclosure it was always expressed that you couldn't begin any work on the property until you have closed.

If I knew the appraisal was going to cause this big glitch I would have cleaned up the place before he performed his work.

I guess My bad for assuming those guys knew that the property is going to get repaired.

So my question is, "Can I dispute this appraisal and make a case to my bank to proceed."