Did you close on your refinance and did you have to do the repairs? Appraisals are scrutinized these days and sometimes close inspection reveals text or photographs that indicate something is in need of repair to preserve the property. The appraisal itself is not the final word... the bank has a right to lend its money under certain conditions, one being the physical state of the collateral (property.) While it is unusual, yes, it does happen in refinances. What were the issues/repairs?