I was in the process of doing a loan and after thinking about, I decided not to do it. When I asked for my refund of$500. I was told that an appraisal was done. How was that possible when I cancelled the loan in three days and nobody appraised the house. Here to find out that they did an outside appraisal, which the person I was talking with told me they would call me to schedule the appraisal. User's recommendation: Go someplace else.