In the process of refinancing a client, Paul Utah of Commercial Real Estate Finance felt that the lender downgraded the appraisal  in such a way as to avoid lending in the area, Harlem.  Utah challenged the appraisal and secured a refund for his client for the thousands of dollars that he paid for it.  He then placed the loan with another investor who recognized the true value of the property and was able to get better terms and completed the transaction in just 40 days.  Utah is proud of the good use of his experience and skills in the market.