HOME LOAN REFI: They give you this "Conditional Loan Approval" letter and you think you're nearly home. Think again, especially if you're foolish enough to pay a fee of nearly $800 for an appraisal of the property. Once they have you locked in with that payment, the Underwriters take over and begin sharpening their knives. They'll dig and carve into your personal finances so deep you'll think you're having a kidney removed. Get ready to be barraged by requested Letters of Explanation, Comparable Rent Schedules, Unit Development Worksheets, Payoff Demand Statements, Flood Hazard Determinations, Title Search Forms, etc. The Red Tape Tide never abates. Avoid B of A and find another lender.