Underwriter requiring upgrades for refinancingI hope someone can help me understand this.We bought our home in 10/09 and Wells Fargo financed our loan at 5.25%. Rates dropped a year later and we did a no-cost refinance again through Wells Fargo in 11/10. The house went up in value from $625k to $660k. Our rate dropped to 4.875%. In 10/12 I started the refinance again and locked into a 3.875% rate. Our trouble is after the appraisal (which actually brought our value up to $830k), the underwriter is now mandating we do improvements to the property to finalize the loan based off of the appraiser's comments that is being used more like an inspection. We did not have a garage door on our 2 car garage, so we had to spend $1000 to get a door quickly installed. Now we are told our heat source is considered "inadequate for the market." We have a gas fireplace insert that heats the area we use the most just fine (and cost $3000), but the underwriter is demanding we put in another heat source for our 1400 square foot home. We live in the Bay Area of California and it just does not get that cold here. We are not planning on selling the house. Everything else is in order (LTV ratio, income, credit) and the house is in good condition. Are the underwriter's actions appropriate? And if not, is there any recourse?December 10 2012 - Redwood City00YesReport 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.