I used HFA for my home loan awhile back... but just now I read a complaint about how they have a branch(?) that does appraisals. If true, I find that very suspicious. The appraiser they set me up with low-balled the estimate to such a degree that I and my realtor were physically SHOCKED. I had already negotiated the asking price down to what was a legit price on both sides. He appraised it for $27k below that price ($316k down to $289k). I truly don't think he even went in the house! So to stay with HFA, they were going to charge me a... read full review »