I had one done for a refinace loan and it was way under value…The housing market has slowed down but not stopped where my home is located….I really have problem with appraisers. All my friends appraises where the exact dollar amount as there loan when they purchased their home so I really question them on the value ….

If you have a student loan with a co-signer, can the borrower refinance that loan and put the loan strictly in their name, before repayment begins?