Long story here y'all, please bear with me. DH and I bought our first home in oct of 2003. It appraised as a single family home at 15k above asking price. We recently tried to refi and the appraiser told us he had proof from the courthouse that our home is actually 2 singlewides attached, rendering it worthless (this isn't true). I've been paying taxes and insurance on a single family dwelling. What can I do? If what he said is true, then we are up a creek. Could I get in trouble for mortgage fraud? All of the paperwork I have from the sale states it's a home, not a mobile home or 2.