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I'm convinced that the whole realtor/appraiser/contractor/builder/inspector process is just one big fixed network of people who screw people over. Like when we refinanced a couple of years ago. The bank needed the house appraised (understandable) but they would only use an appraiser of their choosing. If the appraisal came in above a certain amount we would get a better rate or some crap (don't remember exactly now). Low and behold, the appraisal came in EXACTLY at the amount that was set and we didn't "qualify" for the best deal. What BS.
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