請問appraisal mistake 導致heloc 利率高0.25%, 能不在乎而去title company sign 文

 當初star one credit union 告訴我LTV 低於70%，我可以拿到3.5% HELOC rate,可我
上星期發現他們approve 的rate is 3.75%. 他們說我們ltv高於 70%， 所以拿不到3.5
%利率。 我才發現appraisal report 把我們房價低估了10萬，說我們這foreclore
rate is 2/3. 這裏bay area最好的學區之一, 我們住的地段是很安靜的cul de sac,
appraiser 搞錯了。

apprasier不想重新做evaluation。loan agent也不想一切重來。I talked to the
bank, and they asked me to contact loan agent. 我留message and wrote email，
loan agent也不回。今天收到銀行email 叫我們和title company 預約sign document
.

Is it fine to sign the document? I am afraid the fluctuating rate would be
based on the wrongly appraised house value and would be even worse in the
future.

非常感謝。