wish i had seen this site first as well. what a scam just to get the $35 credit check fee and $400 "appraisal" fee onto your credit card. appraisal in quotes because i'm a former realtor. and, i've lived in the house i'm trying to refi for 23 years. you might say i know what house values are in the neighborhood. my "appraisal" was absurdly, shockingly low. cryptically, the amerisave agent, teresa lykstad, apparently in seattle, i was dealing with said this in an e/m to me. "the appraisal was lower than what... read full review »