I am wondering if anyone knows of a lender that would take the appraisal price instead of the sales price when trying to refinance for a person who has lived at the home for only 6 months. This loan would take place in Minnesota. Any thoughts would be greatly appreciated.

Danny: I am sorry, but you are a thousand miles away and I don't make direct referrals to any lender. I am also not a residential lender so I am not sure if this is something mainstream residential lenders do.