Hello, I purchased a property with a mortgage from BofA at XXXX, Fl XXXX. 
BofA ordered an appraisal with XXXX ( a part of BOFA at the time. They chose XXXX XXXX a fly by night who did not do a valid appraisal. I Asked BofA to do a new appraisal as his appraisal had many errors and I was concerned. XXXX XXXX my loan officer said " it does not matter. All that matters is you get the house ''. I have repeated asked for a new appraisal or an appraisal review but they refuse as XXXX BofA person said '' we dont want to do it because it will come in so low '' .Now I am stuck with a butchered house remodeled without licensed persons or permits and have over {$71000.00} of code violations and must do repairs. I am angry that BOFA accepted the appraisal report after I complained. Apparently they think my opinion does not count.They have refused to do anything to take responsibility for what they did. I had an appraisor come inspect my home and he said XXXX XXXX did not do what is required by Floridas Statutes Scope of Work. I also talked with more than a XXXX appraisers in the area who said the appraiser should have checked public records to see if permits were pulled on such an extensive renovation. XXXX did not. I can not live in the home ( firetrap ). There is no electricity in half the house as is, wires are spliced and i have been unable to even turn on the elec water heater. " electricians told me not to. I have been told by lawyers that I can not rent or sell because I would be held responsible. Also about XXXX months after the closing BOFA sold my mortgage to XXXX XXXX. I contacted them and explained the problem and was very hopeful as they told me they could send the loan to BOFA or order them to pay me for the repairs. Then they changed their minds and. I think both banks want me to default so they get my deposit {$25000.00}, closing costs and all the payments I have made for almost XXXX years. 
SOUNDS FAMILAR! 

can you please help? 
sincerely, XXXX XXXX 
