We have an ARMS loan coming due in 2 years and at this time are current in our loan payments, for now. My husband is out of work. We were able to qualify for a 30yr fixed rate FHA loan. The only problem is that the appraisal has to be 100,000, due to a second mortgage on the home. Both current loans equal up to 98,000. 3yrs ago when my husband refinanced for the ARMS, the house only appraised at 105,00. Is there anything that can be done for us if the appraisal is too low and the loan refused by Wells Fargo Mortgage?