As I stated earlier, I have had a leaky roof. In an attempt to arrange financing for a roof replacement. I decided that I would refinance the house to pay for it. I call the Mortgage company that I already have should be easy enough. Well calling them was the easiest part. We set up for an appraisal of the property, and the guy came out and checked the house. He saw the evidence of the leak in the roof, yet could not see any damage from the outside of the building. So he submitted his report. He informs the bank about the leak evidence. The main reason for the refinance is roof repair and that there shouldn’t be a problem. They call me back and say we have a “snag” We can’t loan you the money until you fix the roof. I said the loan is for a roof. Classic catch 22. So now I have repaired the roof and the mortgage company can’t get a hold of the appraiser. I hope this process speeds up. We shall see.