In 2006, my wife XXXX and I had refinanced our house located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. The application was done through Clarksville Mortgage, located in Clarksville Maryland. They completed an appraisal for the house valuing it at {$800000.00}. Since that time my wife and I have gone through many changes, including the birth of our XXXX daughter, and later our divorce. She maintains the residence with our kids, but we have not been able to refinance because the value is still too low. I believe that the appraisal was artificially inflated to make the numbers work and now we are stuck paying over 6.5 % for a first and 2nd mortgage totaling $ XXXX. XXXX XXXX bought and serviced the mortgages immediately in 2006 and put them in their portfolio, so it is ineligible for any government programs through XXXX or XXXX or XXXX. I have placed the complaint against XXXX XXXX originally, and they responded that it was Clarksville Mortgage that had originated the loans, so they should also handle the complaint. The complaint number is XXXX. 
