I’m very sorry you’re having these issues. To be honest, it’s probable that the mortgage lender moved on to other loan applications where the value did NOT come in lower. In my experience, most appraisals are going to come in within a few thousand dollars of each other, so unfortunately, you might have a bad apple in the mortgage lending bunch. At least they should have given you the courtesy of a call. You don’t say whether you are FHA or conventional. Did the value come in less than you owe? Did you check into the HARP loan option?