My lender keeps throwing up road blocks in my refinance. What can I do?

So I have been trying to refi my house to build a garage. I owe 50k and they said they'll lend 80 percent of the appraised value. First appraisal came in at 85k. Giving me a little less than I wanted but I could swing it. The underwriter kept trying to get the appraiser to knock the appraisal down but they wouldn't so the underwriter ordered a new appraisal. That one came back at 85k and the underwriter said now they'll only loan up to 75 percent of the appraisal or I can get a non-fixed heloc loan for the garage. The whole point was to get one loan at a low fixed rate. Now rates are going back up and the whole summer is almost gone. So if I go to another lender and it takes 30-45 days to close (going on 60 with this bank) that puts me mid August for building it and puts a crunch on time frame. I just want to know if this is legal? If I would have been told ANY of this could happen I would have just went back to Wells Fargo whom seems to still like to finance people with 800 mid scores and 28 percent debt to income. So what can I do and is this legal? And can they stick me with there useless appraisals?

Discuss the nature of Hermes' relationship with Zeus and Apollo in Greek mythology and its psychological...?

Discuss the nature of Hermes' relationship with Zeus and Apollo in Greek mythology and its psychological implications. What positive and negative potentials are inherent in the Hermes archetype as reflected in contemporary people?

Anybody else really waiting to see the debates?

The debates where OWE-Bama is off teleprompter and has to endure the inevitable slams for his failed policy and have his own words like "I guess they weren't really that shovel ready" and many many more kicked up his azz on national TV. Who thinks his arrogance and hubris will cause him to act like a smug assbag and look like the fool he is,

How can God give purpose to life?

I've often heard it said that if God did not exist, life would be without meaning or purpose. What I want to know is how a god can give inherent meaning to anything. I can understand giving purpose to something in the sense that the inventor of a tool had a specific purpose for it in mind when he made it. But that doesn't explain why (if the tool had consciousness) it should be happy with that purpose. Or am I missing something here?

Low volume in Windows 7 as compared to xp?

I recently installed windows 7 in my d drive. I have two windows one in c drive & one in d (Multi bootable) .I found that windows 7 has marginally low volume as compared to xp.Is there any way to increase it by cross checking the same song in win xp..Do i need to update my sound drivers or its the inherent problem in windows 7.I found 1 way on internet.It was like right click speaker option & then click on playback devices etc. etc. etc. It didn't work with me.So don't give me this method as an answer :(

Who plays allison's aunt ( aunt Kate) in teen wolf ?

I love this show and I think I've seen allison's aunt in another movie or show but I couldn't figure out she was or what other movies/ shows I've seen her in.

Question about association and parking.?

I own a townhouse and I have association. Due to the lost of my job a year ago, I couldnt pay my mortgage and assoc fees. Right now I'm dealing with my bank doing a modification so i'm still leaving in my townhouse. I owed money to the association, and I'm wating for my modification approval to see what can I do to pay my assoc balance due which is around $4000. Today, I just received a letter from the assoc company telling all the owners that on July 31 all the cars must have a sticker. And they send a form asking for car info, driver license and registration copies but also it says that all the owners that have a balance due will not received the parking sticker and cars will be towed. Is this legal? I mean when I bought my house I paid for the parking too because I have 2 private parking space in front of my house. It is a townhouse no a condominium. So It is ridiculous that I need a parking sticker to park my car in front of my house. Can they towed my car anyway if dont have that sticker because I owed them money? Thanks!