North Georgia National Bank in Calhoun, GA

I always try to point out shady stuff and I'm making no exception here. We used NBNB to try to refinance our home. The person handling our refi assured us throughout the process that everything "looked good" and that we should have no problems getting the refi. Our house wound up appraising for 40% less than it appraised for 5 years ago. As many loans as this bank handles, one would think that they would have had at least an inkling that the property would have trouble appraising for the value needed to complete the loan. We ended up having to eat a $415.00 appraisal fee that we did not really have the money for in the first place. I see this as the fault of the bank. They should have refunded / credited the money for the appraisal since they led us to believe that we were in no jeopardy of not getting the loan. That would have been the least they could have done - especially since we have been customers for years.