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The probelm is that at each bank I will have to pay for a new appraisal under the new rules. The consumer does not get to pick an appraiser and these days frequently gets the lowest bidder, who may be an incompetent boob from 90 miles away. (been there, done that) I undrstand that they can choose to not lend on a style of home or based on location, etc. but once they have taken your application and fee, they should be stuck with the appraisal in the same way the buyer and seller are. If they do not like the appraisal they can not your that appraiser, or tell the third party appraisal selecting company not to use them again, or use a different third party selection company.
I just checked our MLS and there were 14 homes that sold in the last 6 months with a log exterior. If your bank is not willing to do your loan, I would check with the agents who represented the buyers on these homes to get the names and numbers of the lenders they used.
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