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dtrics wrote:I am looking for help, hope, and maybe several answers.My 2/28 loan begins adjusting this month/August to 9%. I have been trying to clean up my reports for several months now and my scores are still not enough (573 598 606) to get a refi. Hubby (640 643 643). His are higher even though he is disabled and i am the breadwinner of the family.1st ? : Has the housing market really fell in FL more than 55%?I finally found a lender to refin me to 6.87% on a 30 yr fixed, but the independent "pool" appraiser killed the whole deal. some lenders dont use the independant pool. who was your lender?. I am not sure what recourse on this as she comp'd my home to foreclosures in the area. dropping my home from$435k to $190. Everyone is telling me to fight it including the old appraising company who said foreclosure comps should only be used when appraising a foreclosure. what do YOU think it is worth? are there any comps there that arent foreclosure sales? She even argued with me about my counter tops not being real granite because they weren't cool to the touch!!! Also, on this appraisal she decided to delete my attached garage, cement drive, 4th bedroom & shrunk the total square footage of my home as a whole and my land by almost 1/2 acre and more.2nd ?: where, how, and who do you file a complaint about an appraiser?This new independent pool appraiser stuff is for the birds. It almost seems like a scam. they take $400 from you then tell they can't write the mortgage. Just think if they did this a 1000x in a week. why bother writing mortgages! because the $400 is paid to the appraiser...not a profit center for the lender.3rd ?: should i request modification of current mtg and what is best strategy doing this?I am sick over this right now. I own my home for 16yrs and only went into the ridiculous mtg to discharge my chap 13 bk and here 2yrs later without any lates on payments and not even $1100 in cc debt ($400 of it was for appraisal) and now i cannot refinance. Someone else suggested contact current lender for a loan modification to stabilize things while i continue to work on my scores and try for a refi down the road. Will a modification be considered a forebearance and negatively affect my scores also? As you can tell i want to have my cards right before going into another nightmare.thanks for any help