New York Community Bank Mortgage Complaint

New York Community Bank Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Arizona

NYCB had an appraisal done on my home by an incompetent appraiser on -/-/-, who claimed there are - kitchens in my house. On this basis, they refuse to refund the loan, at a lower rate. On -/-/-, I complained to the State of Arizona Board of Appraisal ( ABOA ), who agreed on -/-/2015 that there is only - kitchen. NYCB insists that their flawed and incompetent appraisal report, which states there are - kitchens, and therefore more than - accessory unit, is correct. The State of Arizona, the highest authority in Arizona, disagrees, and claims there is - functional kitchen. With - kitchen, there can not possibly be more than - accessory dwelling. The fair and equitable thing to do at this time is to order a new appraisal, to see who is correct. I know with 100 % certainty that the State of Arizona is correct, as was NYCB 's own appraiser 4 years ago, when they funded the home in question. NYCB also knows that I am correct. This home has not changed at all in 4 years, except that it is a little older. They tried to do the same thing -/-/-, with another home, and they eventually admitted the appraisal was faulty, ordered a new appraisal, and funded the loan. NYCB just wants to keep me paying a higher interest rate, so that they make more money.