Mortgage Refinance/LendingMy wife and I have a berm home (partially underground). We attempted to sell but due to the slow market took our house off the market and decided to refinance (currently have 30 year fixed). Our application went through, credit was fine, had an appraisal and we were waiting to hear about our close date. Our bank then tells us that underwriting had a problem with the appraisal. The appraisal they required needed to have another berm home like ours for them to accept it. There are only 11 berm homes in our neighborhood with ours being the last bought five years ago so there are no exact comps! Not only can we not refinance but all the banks we have talked to said that they would require this type of appraisal for a buyer to purchase our home. Does anyone have any advice for this situation. Basically we have great credit, great jobs but are stuck in this house!October 15 2010 - Louisville00YesReport 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.