re: Help needed, I recently got turned down on a refinance loan for my home

They have to find comps. One comp they used was so off the mark it required an adjustment of 25% based on the fact that your property is in a rural area, and it's more difficult to find recent comparable sales in a rural area compared to an urban area.

Your lender thinks there are other comps in the area that don't require that much adjustment and it wants the appraiser to use one of them in the appraisal.

The appraiser probably can't bring back the value necessary to close the type of loan you want if he uses the comps the lender wants him to use.

Sounds like you need a new appraiser, or he needs to write one helluva explanation for why he's using such an oddball property and making such a vast adjustment...

You aren't being turned down. You're getting a stipulation that is preventing closing. Get with your appraiser or your appraisal management company or take a look what kind of loan you want. Moving one aspect of th loan or the other could help the lender get a clear to close.