My mortgage was with XXXX and that alone should say it all but I 'll continue ... 
We took a XXXX out and decided to add a master bedroom and bathroom to our XXXX bedroom XXXX bathroom home increasing the property value ( or so we thought ). XXXX was assumed by XXXX XXXX XXXX which is where everything went downhill ... XXXX would not honor the appraisal and said we had to re-appraise using THEIR appraisers who essentially came in and LOW BALLED the value at less then half of what the original appraisal was. With XXXX loan payments and now heavily upside down in debt we could no longer afford much thus adding strain on our marriage we filed for bankruptcy and shortly thereafter divorce ... 
