What makes me insane about this is that appraisers get paid no matter what.  I was refinancing a while back.  At the last minute, found out the broker was hooking me up with a loan from BOA.  Had already had the appraisal done.  I backed out of the loan (had no interest in dealing with BOA).  I was STILL required to pay $350 to the appraiser.  AND when I went with another company (only a few weeks later), they required a second appraisal - could not accept the first one).  Why is it that we can't get the same deal?  Why is there no guarantee of our payment - whether a deal goes through or not?

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