My wife and I applied for a Reverse Mortgage with Genworth Financial and were told up front that based on an in house comparison of homes in our area we would be able to dray in excess of 46 thousand dollars out of our equity. We agreed up front to pay $450.00 for a home appraisal and were assured by both Michelle Gilson and Jeramias Smith that was all we would have to pay. An appraiser showed up and all the time he was on our property he was putting manufactured homes down. Our home had appraised for $170,000.00 less than one year prior, and we had spent more than $30,000.00 on improvements to the home and property. His estimate came up $22,000.00 below the previous appraisal and our lot was appraised at $15,000.00 and lots in our area are currently selling for more than $39,000.00 without any services on them. He also valued our detached 1200 square foot garage/shop at $16,000.00 that was valued at 27 to 31 thousand only a year earlier when we built it, at this time an estimate to build the same building is above $35,000.00. I contested this appraisal and Michelle Gilson came up with all sorts of reasons why they could do nothing about it, and did nothing. Just the discrepancies in the lot and shop building was enough to take the appraisal over the previous 170 thousand dollar mark. As the loan process progressed Michelle Gilson kept adding things that we needed to get the mortgage, and would not send us information we requested both on the phone and via e mail. At a late stage in the process she said we had to get an engineers report on our homes foundation. I questioned this and she said it was the LAW that they get this. I asked for a copy of the LAW and never got it. I also asked for an update of exactly how much we would be able to draw from our equity. I never received that either. Michelle Gilson did call and state we would only be able to dray around $15,000.00 from our equity because of the appraisal. I told her to cancel the loan process at that time because that was not acceptable. Jeramias Smith then called and said the engineers report was a requirement placed on the lenders and we would not have to pay for it. He also said he had refigured our loan and we would be able to draw in excess of $22,000.00 from our equity. I told him we could live with that and they could continue the loan process. Then a Notary Public was sent to our house for us to sign the Reverse Mortgage papers and when I looked at the closing document that concerned the money figures, it indicated we would only draw just in excess of $16,000.00 from our equity. I called Jeramias Smith and placed him on my speaker so my wife and the Notary could both hear what he had to say. He told me to sign the papers and he would redo the figures later, and stated the draw would be around what was stated on the paperwork. I told him to cancel the loan process because we would not sign papers without the right numbers on them. He became VERY IRATE and started yelling at me over the phone and basically ordered us to sign the papers as they were. I finally cut him off and told him to cancel the loan. We recently received a bill from Michelle Gilson at Genworth Financial for $525.00 for the appraisal, I sent them the agreed upon $450.00. We also received a bill from a Company called OnTheLevel Contractors also in California for $550.00 for the engineers report on our foundation. I sent them a certified letter and told them to send that bill to whomever ordered and received their services because we did not order it, receive it, or authorize anyone else to obligate us for any services. I think the entire process is a scam against older people and we were treated like we were total idiots and did not know or have any say in what we did. We were just supposed to sign what they told us to, and accept whatever they offered. Thank you.