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So, I applied for a home equity loan and was pre approved. They as you to retrieve all of the documents, which I was okay with. Everything seamed to be going well, until the appraisal. They inform me that I will be getting a call from the appraiser. Well 4 or 5 days later he finally calls and we schedule a time. He comes out and I also did some quick searches to see what some values are and give him that info. A few more days pass and then I get the appraisal back and it’s about $40,0000 less then 2 years ago!!! I was like OMG, how is that if the houses around me are selling as soon as they are on the market??? Well I Review the appraisal with a friend who is an appraiser and come to find out he used houses that are completely out dated and some were 2 bedroom! I own s three bedroom with almost everything updated! In fact we just finished the second bathroom. My friend with that’s the appraiser said the value shouldn’t have gone down since 2014 when I purchased it for $284,000. This guy appraised it for $260,000, WHAT? I purchased the house when everything was out dated and it was a 1.5 bathroom house, I installed a second bathroom to make it 2.5. So I asked Lisa at the bank to take a second look, she said that they only do that on a case by case basis. She said if I found errors that she would ask the appraiser. I found many errors including some racist remarks in the appraisal that talks about my town and the people that live there! So I called the appraiser directly and he said he would be willing to review it and review the comps that another appraiser said he would use and match my house. Well... After all of that, Lisa said we are not going to allow that! REALLY? I gave it two stars because Allie was really nice to work with.J
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