Newly constructed homes are being appraised even below their construction cost, says a new survey by the National Association of Home Builders (NAHB). Homebuilders say that faulty appraisals have helped the market recover more slowly. These poor appraisals, too, mean that banks are less willing to lend money to developers, since many are taking losses on their investments. The NAHB says that by appraising these homes under construction value, appraisers are hurting the recovery. According to the NAHB, for every one hundred homes built, developers can create more than three hundred full time jobs. Without sufficient funds, developers are less able to continue building and thus, less able to create jobs.