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I work at Bourdeau Financial and do many refi's and purchases. We have run into a problem, that a lot of the time people do not have the out of pocket or cash to pay for the appraisal upfront. I am looking for an appraiser who is willing to be paid on the HUD as a closing cost but to also work with us on a regular basis. Please call or email me if this is something that can be done. I have a client who wants to close ASAP! 