I am in the process of refinancing my property with USAA. I was told and assured that under the Homeowner Affordability & Stability Program if my property was held by Fannie Mae it could be refinanced at 100% LTV without PMI. My appraisal came way below the comparables in my neighborhood as if that weren't enough I was then told that even though my property was at 89% LTV they could not go over 85% therefore, I had to come with $14, 000 at closing. I told ROBERT OROZCO that either USAA was lying or President's OBAMA plan was a scam. I explained to OROZCO that the property was within the guidelines of the program created by the current administration and that I was going to call my congress representative, CNN and contact USAA CEO JOE ROBLES. OROZCO was apologetic and told me he was going to talk to his manager. At the least I should get my $350.00 good faith deposit, since USAA has shown nothing but bad faith and a mere bait and switch tactic. Totally disappointed. First and last time I do business with USAA.