[jojolala]

...oops.. injury & illness. But we paid for a false appraisal. We heard so many times over the years in the Bay area, how the loan officer told the appraiser "what they needed". It wasn't even considered shady, except now in hindsight. At the last minute we were told to pay off this credit card or some mysterious change in rate after being "locked in". I remember a day when an underwriter would turn you down and that was that. Sorry for rambling...