Can a bank refuse to accept an appraisal that would cancel PMI?
The short answer is yes they can.

how to refi a underwater, non-fannie mae or freddie mac loan
How certain are you that you are in fact underwater by 30k? Call your current mortgage company first to see if they have any options for you before you go selling your motorcycle or cashing out your 401k. Flat out, if your loan is not fannie,freddie, FHA or USDA, there are very few options outside of...

I own a 500k home free and clear. I have very poor credit, 580. Can I get a small home equity loan?
Romeoa, shop around and see if you can get unsecured financing for whatever it is you are seeking to accomplish before you pursue a home equity loan. You own your home free and clear, so I strongly advise a HELOC as your last option.

can i secure a mortgage with a 654 fico
Credit is but one factor in determining whether or not you can secure a mortgage. Assuming all other variables are where they need to be, I don't see why not. If you'd like me to take a look for you, contact me through my profile. Best wishes

I just refinanced my house, but considering converting it to an investment property and moving into a rental. Can I do this?
CharlieSparks gave you the best response. The terms of your refinance were based on the property remaining your primary residence for "x" amount of time. Think long term here. Move now and run the risk of having the terms of your loan change, or wait nine or ten months until you are no longer...

high income to debt ratios
Call your current mortgage company and see if they can help you. I would double check those figures you provided. 93% DTI usually ends in one of two ways: 13 or 7.

What is the best method to calculate my home's value before actually getting an appraisal?
There are several means of ascertaining the approximate value of your home; all of which will give you a reasonable expectation of what your home may appraise for. Zillow.com, Realtor.com, BPO (broker's price opinion), and depending on your county, the assessed value. Getting a general idea of...

middle score of 600 can I still get FHA for home purchase in PA?
The question is should you, not can you. There are lenders out there that will give you sub par product with a FICO of 600. Work on getting your score up 40 points. This will most likely ensure a better loan for you in the long run.