I am in the process of doing a HELOC with Bank of America. The originator of my loan application. The originator said I could have my home appraised because I disagreed with their automated valuation tool. Today my processor tells me that BofA is refusing to send an appraiser to my house because I have n't made upgrades in last 365 days. It is my understanding that I 'm entitled to a appraisal from a licensed appraiser if I disagee with their home valuation software aswell as I was told by the orginator before I applied. 
