Photo by PoPville flickr user Clif Burns
“I would like to revisit this topic which was raised in July 2014 since I have the same issue. Link.
I am attempting to refinance a conventional 30 year mortgage with a lender to get a better rate and the loan officer just informed me that I don’t qualify for a conventional loan because my house has an english basement; specifically according to him the appraisal company classifies my home as a multi-unit property because there are “two kitchens” and no interior stairway into the basement. It seems like they wont budge, and looks like I am out the $425 appraisal fee.
Based on the comments to this topic two years ago that I’ve linked above, some people have successfully refinanced as along as they found the appropriate lender. I would love to get some help here, and hear from folks who’ve successfully refinanced. Any advice would be very useful.”
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