Zillow Advice: Buying a Foreclosure - APPRAISAL REVIEW AFTER 4 MONTHS?? http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ Zillow Advice | Zillow Real Estate The truth is that your lender ... http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ The truth is that your lender sucks!&nbsp; The question you should be asking is......who referred you to this lender?<br/><br/>Prosperity Mortgage is my preferred lender and they do a great job.&nbsp; Never had this type of run around your getting.&nbsp; I would guess you used a local bank, internet lender or Suntrust / Bank of America all of which seem to do a pretty horrible job with time lines and promises in my opinion!<br/><br/>Try Prosperity Mortgage or Wells Fargo as they are the best I have seen.<br/><br/>Lee newcomb -[phone removed by Zillow moderator] Fri, 06 Jul 2012 15:44:00 GMT http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ 2012-07-06T15:44:00Z What company are you working ... http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ <p>What company are you working with!!!???&nbsp;&nbsp; Get yourself another lender!!!</p> Sat, 16 Jun 2012 00:25:00 GMT http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ 2012-06-16T00:25:00Z The question I would like ... http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ The question I would like to ask is how an underwriter knows about "working fireplaces" when the appraisal did not list them. <br/>Fireplaces should add value....<br/><br/>I am guessing the appraiser was not notified in a timely fashion to correct the original appraisal. Since the HVCC precludes the loan officer and lender from direct contact, have YOU called the appraiser to get the story directly from the proverbial "horse's mouth"?<br/><br/>I hate to be the bearer of more bad news, but a 120 day old appraisal may not be worth the paper it is printed on now...<br/><br/>Wishing you a fast resolution and smooth closing, Jim Fri, 15 Jun 2012 22:36:00 GMT http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ 2012-06-15T22:36:00Z Are you sure you're doing ... http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ Are you sure you're doing a "regular" refi and not a short refi or something?&nbsp; This sounds very wrong.&nbsp; I would switch lenders.&nbsp; I have a short list of quality lenders I could recommend or you could talk with someone you meet here.&nbsp; I would not continue to wait on this lender who clearly does not have their act together. Fri, 15 Jun 2012 22:15:00 GMT http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ 2012-06-15T22:15:00Z I agree with Mike. is this ... http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ I agree with Mike. is this YOUR original lender??<br/>Welcome to banking in 2012! I am not trying to make light of this,it is just a JOKE what is going on today.Many of the steps have NOTHING to do with the lender..it is the process and the regualtions and they all seem to trip over each other.<br/><br/>I cannot believe this is with a NEW lender,this would seem to be with your current lender that these issues are occuring.Is it?<br/><br/>3 months to first get the appraisal seems long,and 4 MONTHS to get a first set of conditons?? This only seems possible with a refi through the same bank..Is it a straight re-fi or a modification through your old lender...it if is a modification...Let me know I would be curious. Fri, 15 Jun 2012 21:54:00 GMT http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ 2012-06-15T21:54:00Z Are all of these requests ... http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ Are all of these requests coming from the same lender, or is your loan consultant shopping your loan around, trying to find one who will approve your loan?&nbsp; It sounds very odd.&nbsp; If I were in your shoes I would be talking to a different lender.&nbsp; The one you are working with does not seem to be interested in your business. Fri, 15 Jun 2012 21:01:00 GMT http://www.zillow.com/advice-thread/APPRAISAL-REVIEW-AFTER-4-MONTHS/447011/ 2012-06-15T21:01:00Z