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I am currently trying to do a refi with Wells Fargo. My current loan is 6.5% 30 yr fixed for 850,000. My balance is 775,000 due to some prepaying of the mortgage since getting it in 2007. I fear the appraisal will be low due to total lack of comps in my area. I live on 12 acres and no homes have sold in town over 500k for 12 months plus. My FICO came back 802 and my debt to income is around 20. I can pay down the mortgage about 100k more. Are there any nitch lenders waving appraisals to grab up people like me?
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