I did not get a down grade I got a freeze. Funny THIER new home value program on thier web site shows my homes worth at 120,000 more then the value the appraisel. We owe 68000 and they will not unfreeze for an additional 10000 do you think it has to do with the 2.89% rate we are paying because right now our home value is also 37%. Chase your loosing business because we let our friends know..