I was trying to refinance my home to a lower rate. Wells Fargo already holds the mortgage. They hade an apprasial done. I was home when the apprasier arrived. She came in took a few photos asked me how much I was hoping the appraisal would be and left. A few weeks latter I recieve a copy of the apprasial and notice that it is for a 3br 3 bath home of 2500 sg/ft. My home is 2980 sg/ft and 4 br / 4 bath. I call my loan rep and sent him drawings of my floor plan. After several weeks I'm told that they are not going to order a new apprasial and that they don't beleive the info I provided. They tell me they'll still to the refi but now the intrest rate will be highter than what I have locked in. On top of that I get a contract from them that shows yet a different intrest rate and a much higher closeing cost than my loan rep said. ($22, 000 vs $8, 000).

I told them to stick it and am in the process of moving my account to another bank and will move the mortgage on both of my houses as soon as market conditions allow.