Product: Mortgage

I began a cash out refinance with XXXX XXXX XX/XX/XXXX with XXXX XXXX XXXX. Over the course of the next month I submitted the paperwork that was required and signed loan disclosures XX/XX/XXXX. An appraisal was ordered with XXXX XXXX ( State Certification # XXXX XXXX ) of XXXX XXXX XXXX and in the appraisal under Lender/Client United States Appraisals and company XXXX XXXX is listed. I was charged {$620.00} for this appraisal and I have come to find out that an appraisal has a flat fee that should be {$500.00}, I was overcharged by {$120.00}. When the appraiser came out he took several photos of my home with me and had his evaluation prepared and submitted on XX/XX/XXXX giving my home a value of {$250000.00}. This number is {$50000.00} less than what previous real estate agents had valued my home at that month and the appraisal had many notable discrepancies which I pointed out to my loan officer XXXX via email on XX/XX/XXXX. Things like a missing laundry room and kitchen in the basement, a pitched roof and having an attic. This list that I sent to XXXX is attached below tiled discrepencies. XXXX 's response to my request XX/XX/XXXX was that those discrepancies would not add value and that he had torn through the appraisal and there was nothing that would help. On XX/XX/XXXX XXXX emailed me to say that he spoke with the appraisal coordinator and he went over all points and could find nothing that would change the value. He also told me it is extremely hard to get any value changed on the appraisal. The appraisal has incorrect information listed for the parking and didn't include the laundry room with kitchen in my basement and has incorrect information regarding bathroom count etc. None of the 4 comparable that the appraiser had used had parking, my home has 3 parking spots. He listed one of the comparable as having 2 spots when they would have 1 parking spot if a fence was torn down and 1 of the homes he used as a comparable has not sold so is not able to be used as a comparable in a report. My home has at least 800- 1100 sq. feet more than the comps, none of which I was given credit for. As a senior loan officer, it should be fair to assume that XXXX would be able to notice what I was not given any credit for that should be obvious, like the difference in square footage. I have a detailed list of inconsistencies in the appraisal attached as well as an email from one relator discussing differences in my home and the ones that were used as comparable and a complete market analysis from another real estate agent using several of the same comparable. XXXX did not lock my rate, which would have been 3.75 % which is a HUGE loss for me. XXXX also stopped returning my emails and calls, the last email I received from him was XX/XX/XXXX. I called and emailed him several times following. 
XXXX XXXX joined XXXX XXXX in the time period that I was working with XXXX. They contacted me because my information was in their system and I started discussing my situation with another agent XXXX XXXX XX/XX/XXXX. XXXX was very helpful but there was little she could do with the appraisal and my loan to value being so high with that amount the appraiser offered. When I asked if I could do a reconsideration evaluation she let me know that XXXX XXXX was the officer that had requested the appraisal and I should speak with him moving forward. XXXX and I had had no contact when I was working with XXXX. I did get an email from him XX/XX/XXXX which was 13 days after XXXX stopped responding to me saying that he wanted to introduce himself to me and let me know that XXXX ( I have had no contact with anyone named XXXX ) my original Banker that I was working with had taken another position. XXXX offered his contact information if I needed anything. I emailed him back and set a time to speak with him on XX/XX/XXXX. I called him several times and was never responded to.