Sometimes buyers make the decision to waive appraisal contingency in a competitive market. Basically that means you will buy the house even if it doesn't appraise for what you offered.   But what does that mean when it comes to getting a loan? Does that put you or your earnest money at risk? Learn more about this on today's episode.    Doug is a physician lender with BMO Bank. To learn more about him or to request a free copy of his book, go to www.DougCrouse.com.