In most cases an appraisal is not needed. The value can be determined by the lender using an electronic evaluation. If an appraisal is needed, some lenders will pay for it, in some cases it is the clients expense. In a case where the appraisal is lower though the lender will calculate the application on the lower amount. You will still get a mortgage but it does change the calculations, so 10% downpayment might now be 8.5% downpayment. Each deal is different. Check with your Broker.

Probation is not a problem if your closing date is after you come off probation. Also some lenders will allow probation if you are in the same field as your last job. Also if you are employed in your field of education that helps as well.

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We had an appraisal done for a refinance. the lender that we are working with gave us numbers that were decent contingent upon the house coming up a certain price. the appraisal came out much higher than what we expected. great for us. now the lender changed all the numbers to our disadvantage. although we locked in the rate, they raised our loan amount saying that there were things they forgot to put on the initial application that we have to pay for. we want to go with another lender. our appraisal is noly a few days old. can we use that appraisal with the other lender since we already paid for it?

It is unlikely that the new lender will accept the previous appraisal. I know that sounds stupid and it is, but MOST lenders want to order their own appraisal from their pool of appraisers. With that being said, it doesn't hurt to ask, but be prepared to hear no. Let the first lender know that you are going to shop around since they cannot stick to the original figures and see if they revert back to the previous terms.