I am trying to [url=http://www.mortgagefit.com/refinance.html]refinance[/url], but appraiser say I need to spend over $5,ooo.oo on repairs before I can. I just spent $750.oo on roof repair, but appraiser says it is not enough. So I have lost the $750.00, Is there any way to get it back if I cannot refinance?I am 71 and on a fixed income, and have no interest in moving because, for one thing I live alone except for 2 cats and 1 dog.If someone could give me a solution, it would be muchly appreciated. Thank you.Seems as if what the appraiser did is illegal. I haver missed a payment, or been late on a payment.