[stigmatahh]

...present it to mortgage lenders? I want to refinance and I don't qualify for Home Affordable because I'm not Fannie/Freddie backed. I'm definitely high LTV but the estimate on Cyberhomes and Zillow is an almost 50K swing! They're nowhere near each other. The high estimate puts me right at 95% LTV so it's the difference between whether I can refi or not. I'm willing to pay-to-play to get an out-of-pocket mortgage appraisal. So my question is, will lenders accept this appraisal if this person is certified in my state? Or are they picky and only required to work with people in their circle?Thanks for the info so far. I have heard about the FHA 95% cap that supposedly is available. I suppose the reason I want to do my own appraisal is so I don't get started with the whole process and then have the appraisal not be good and tank the whole process.Landlord, I am only seeking to determine if the appraisal will allow me to refinance so I don't waste everybody's time, including mine. That's all!