Looking for lenders HARP Condo Refi (investment) with appraisal waiver - Fannie Mae ownedUGH! I've tried re-fi's with 2 banks, a broker and quicken loans all with no luck - the most recent excuse was that "we don't lend without an appraisal waiver and your mortgage is tagged as needing appraisal at Fannie Mae, try to sort that out with them and good luck with that..."So we've got a Fannie Mae owned mortgage thats slightly underwater on a condo (that is a rental) in NC - credit etc not an issue at all. Can anyone recommend a lender that will refinance us regardless of this "appraisal required" business. We tried with an appraisal already through a broker and no dice. Pretty discouraging that the HARP program is in place but all the banks I've spoken to have done everything they can to not make a re-fi available. We've never missed a payment.Anyone know of a lender that would deal with our situation? (which is a pretty common scenario).-- Annoyed with lenders in NCAugust 13 2012 - Charlotte0YesReport 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.