lmc

I'm not an inspector, but a home owner....hoping for your thoughts. Two years ago we but what we thought was a stick built home. Appraiser, inspector, seller--none of them said anything otherwise. 6 months later we removed carpet to lay pergo upstairs (we have a full walk out basement beneath) and noticed a gap in the floor boards beneath the carpet padding. Suddenly what we never paid attention to before, thick wall running down the center of the home, etc made sense. However, we didn't realize it made any difference. Then last week we had an appraiser come out for a refi. He could tell by looking at the pic of the home it wasn't stick built. Now we are suddenly stuck with something we paid way to much for, have put tons of money into making it nice, and are quite frustrated. I'm still uncertain exactly what kind of home we're dealing with. So, how would I find these metal chassis spoken of since we have a finished basement beneath? One area (storage) is not finished and you can see wooden floor joist and all signs of a typical house. This new appraiser could not find the HUD number--he thinks it was covered up by new siding. The city records have always considered it a normal home. Any ideas on what to look for and where. Or what we can do about all this? Thank you!!!!