CAN ANYONE TELL ME WHAT A FULLY FUNCTIONING KITCHEN IS?
That said, I suggest that you ask for an appeal of your current appraisal. If that does not move the underwriter, then I suggest that you request that another appraisal be done by another appraiser (of course, that means you will have to pay for two appraisals). If that doesn't work, I suggest that you
"cut your losses" and find a local bank to work with.
The bank can stop and not fund at the 11th hour you will have to work it out with them to see how things can be rectified Send them the papers from the inspector that can't hurt to do
Rhe lender or you can ask for an appeal to the appraiser. they should know this, and there is no charge to do this. Why are they not trying this avenue or maybe they have. Follow up with them on this
Is it worth it to get another appraisal and will they let you ? Check with them to see how you can move this along
My husband was working to get our refi with a lender like yours and they said we were approved and will be sending the loan docs out Never for them and they changed their mind crazy right. Went to a different more mainstream lender and for it done an faster. You may need to use a different lender is what is may come down too
Bye for now
Ingrid Ski Realtor
As far as the lender goes, you would have thought that they finished their underwriting approval before you signed anything with a notary.
At this point, your loan sounds far from secure. I think you probably need to do what they are asking...
Best of luck.