Do I have to have an escrow hold back with a Freddie Mac Conventional loan on a forclosure?the appraiser was sent back to do a second appraisal and classified the house the same c4, however metions its a c5 at one point in 2nd appraisal..., changed what the renovations in the past to none as opposed to his previous statement of remodeled last year. The first appraisal was "as is". Now the same day I have a home he appraised 10k more(with no change in the property )and said with the minimal work it would be 30k. But now I have to have a hold back . I don't think this is ethical or legal? I have an email that wasn;t supposed to be sent to me from the underwriter saying that the appraiser didn't do what she asked of him... This is a freddie mac. Originally rehab loan now conventional I have 5 percent down. August 07 2014 - Yakima00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.