I applied for a refinance loan at The Huntington National Bank in Canton, Michigan. The mortgage representative was Debra Heardman which quoted a 6.99 interested rate. I provided the necessary paperwork and accepted the terms and agreed for the appraisal of the investment property. I had and appraial May 2008 ($131, 000.00) thru another bank. The city of Inkster appraisal $130, 000.00. Huntington Bank appraisal $82, 000.00 in August 2008. During the process of the loan, Ms. Debra Heardman was very kind. After appraisal she had no time for me nor answered any of my questions regarding appraisor different. Ms. Heardman's supervisor contacted regarding matter. Ms. Laura Zazakis reported that the Appraisor followed the Fannie Mae guideline that required a property search over a 6 month period in the areas of homes being sold. Ms. Zazakis stated the other appraisor did not follow Fannie Mae guidelines by during one year search in area. I informed Ms. Zazakis that the home at the corner of our block sold for $128, 000.00 at a reduced rate to sale the home. I contacted Fannie Mae regarding their appraisal policies. I was informed that the above policy do not exsist. Fannie Mae do not know where Ms. Zazakis is receiving her information. I contacted Ms. Zazaki regarding the non exsiting policy and Huntington Bank decline my loan. Please help correct this matter. Huntington Bank should keep their word and provide me with this refinance.