BYC Café

Good morning, thanks for the lovely baby pictures. I brought more coffee and some mini apple turnovers.

We're dealing with a weird situation here--we're trying to get a HELOC to finish up our siding project (THANKS INFLATION) and the appraiser is being...odd. She was asking super invasive questions about our intentions while she was here, and went back to the bank to ask what they wanted her to do, because we have a really old kitchen and 'are living on subfloors'. Huh? I don't understand how she needs to be involved like that, or why there is any sort of question--what we need her to do is finish the appraisal. Now the bank is trying to tell us how we need to spend the funds, but we don't have a dollar amount in any way yet (value of the house or how much equity they'd be willing to forward us). Kicker is---this house is 150 years old. We bought it as a fixer upper, and we're in the midst of everything, living in a constant construction zone. We don't have subfloors. They're the original floors of the house, just unfinished. I feel weird now about having someone who is meant to be impartial come into my house and look down their nose at how we live.

Has anyone ever challenged an appraisal before? Here is a pic of my dining room, just because.

View attachment 3783354

When we got our HELOC we had paid the mortgage off and I don't remember an appraiser coming to the house.
 
Good morning and thanks for the coffee!
We had a bobcat cruise by last evening and fortunately, DH had gone out 30 mins earlier to lock up the coops or it would have meant less chickens to feed. The snow is high enough for it to just hop the fence and the electric is not working atm. :rolleyes: So, the chickens will stay locked up today while we go "MORFing"
and buy chicken feed while there. LOL!
Enjoy the day, Cafe!
 
Good morning and thanks for the coffee!
We had a bobcat cruise by last evening…
When I first read that, I expected the rest of the sentence to say something about a neighbor out moving snow or something. That’s the kind of Bobcat we have around here! :gigAlthough we have, on occasion, had the kind you have wander through as well.
 

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