Countrywide low balled us on our home appraisal for our refinance!? Help?

We are refinancing our home. 2 years ago we had our home appraised at 207,000. We are currently trying to refinance through Countrywide Home Loans. We payed $450 out of our pocket to have our home appraised. The lady came and was maybe in her early 20's. She was not very friendly. We were set to close when we... show more We are refinancing our home. 2 years ago we had our home appraised at 207,000. We are currently trying to refinance through Countrywide Home Loans. We payed $450 out of our pocket to have our home appraised. The lady came and was maybe in her early 20's. She was not very friendly. We were set to close when we found out that our appriasal came back at 200,000. This makes no sence to us as we have recently recarpeted our whole house with brand new burber carpet and put a new roof/shingles on. How could our appraisal go down in 2 years when our house is in excellent immaculate condition? We have a huge house of 2800 sq ft house which makes our value of only 72.00 a sqft. This has really screwed us up as we were needing to get some money to pay off some bills. What are we to do now? We have made several calls and are still waiting for someone to return our call. Can anyone offer some advice?? Thanks!
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