Do this for a living. Several issues pop up right away, if the CU is offering you a streamline then your current lender should be too. If they aren't then the lady you spoke with is a moron. It happens, just ask to speak to a different loan officer. 1 thing that sounds like you already know and did when you bought the other parcel, BUT if it's not 1 parcel now, then they won't include it on the refi, unless it's a full doc refi, you can't add parcels to the primary parcel/residence in a streamline. What that means is the parcel has to be on the same loan as the home/parcel home sits on. As for the appraisal, I wouldnt do that if I were you, most likely then you won't qualify especially if you live in OH. Also, for what its worth, none of what you did, roof, windows, really adds any value at all. These are considered to be necessities and required to make a house livable. Things like updates to kitchen/baths, flooring, are about all that matters in the end. Auditors don't care about any of the roof, etc. only what properties around you are selling for. Anymore same with appraisers, nothing matters excep COMP's, or houses that have sold around you, sat on market, left empty, etc. If you want more info, let me know directly, I can't get into too much detail directly with lender names etc as Im at work. And can only do that privately.