Trashing Equity-Home Valuation Code of Conduct (HVCC) Gold Mine

We had an Appraisal ordered by our lender from a National Appraisal Service company in Indiana for $500 bucks that contracted an appraiser in Arlington WA to appraise our home in Carnation - Indiana paid Arlington $180 bucks! We applied for a refinance loan on our home. Over the last 14 months we had 6 appraisals. $385K - $340K - $379K - $309K after the $309K appraisal we added a lower half bath and laundry plus 80 sqft to the interior living area. 2 Months ago we had another appraisal that came in at $313K and the interior square footage remained the same as if we added ZERO? I paid for an "Appraisal Review" by an independent local appraiser in Kirkland. It was discovered that the $313K appraisal cut out the following valued added features of our home:

1. Interior staircase access between the lower and upper story!

2. Missed noting a Lower half bath!

3. Missing Additional interior SQFT from a lower level laundry and half bath added.

4. $40K of upgrades to the house and landscaping

We submitted the "Appraisal Review" to the mortgage broker & they protested the $313K appraisal - The Servicer ordered another appraisal which came in at $320 showed 1525sqft instead of 1472sqft and much more.

I think this type of nationalized control is like Eminent domain and it takes equity away from all types of real estate - gives banks control over refi's, new loans and much more! The consumer is getting the shaft – Guess who gets the Gold Mine. - Just some things that make ya go HUM? PS: get Review Appraisals if you or your clients think their appraisal is not accurate.