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It appears that you will need 2 new appraisals and have to spend more money. The current guidelines dictate that every lender go through an appraisal management company to order a new appraisal. I know of no one taking an appraisal from a client that was recently done. This can only be done if one of your refi's was a VA or FHA loan. I would get going on this ASAP. Find another licensed lender in MD with a high rating. Let them know exactly what transpired as I suspect the other lender may not have been totally up front with you. ((Does not make sense that the lenders he called were unresponsive unless they all miraculously went out of business.))
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For Sale: $419,000
For Sale: $2,500
For Sale: $375,000