I applied for a loan with Embrace Home Loans. I paid for an appraisal during the loan process. After several months without hearing from anyone I received a turn down notice. I attempted to call Embrace but the person I had been working with never returned any of my calls. I applied with another company and was approved but they need to have an appraisal done as well. I was advised I could transfer the previous loan but Embrace would have to participate in making that transfer. Unfortunately after numerous calls they will not even return my calls so I may get access to an appraisal I paid for. Transferring the appraisal simply required an email on their behalf. 
