OMG - after reading the review below regarding the so called "scheme" I could not be silent! We too had the same experience....we wanted to refinance and our appraisal also came in about $150,000 lower than expected. Quicken Loans sent new disclosures with higher rates and A LOT more to come to the table with at closing! Like $28,000 more at closing!!! We then applied at Chase and got the refinance done. Chase also uses "local" appraisers that know the market and are reputable! I too am so disgusted with Quicken Loans and I am feeling disappointed in the system and I do feel scammed. There is definitely something "fishy" going on and I have to agree with the "scheme" and they are trying to get more money out of people knowing that we spent a lot of time sending A LOT of documents. I am going to file a complaint as well. I must say that Quicken Loans is very annoying and I would not recommend doing business with this company or wasting your time.