A Black Indianapolis homeowner who had a nagging suspicion that her house was lowballed in two appraisals last year went to great lengths to conceal her race in a third. She removed photos of herself and her relatives and had a White friend pose as her brother for the appraiser’s home visit, reports NBC News.

The result? The appraisal of Carlette Duffy’s home more than doubled.

Duffy’s home, which was assessed by different companies last year, was first appraised at $125,000, then $110,000, and finally $259,000 in November, according to the Fair Housing Center of Central Indiana. The nonprofit announced this month that it had filed housing discrimination complaints on Duffy’s behalf with the Department of Housing and Urban Development.

Amy Nelson, executive director of the group representing Duffy, said it’s “heartbreaking” that she had to do so much to secure a fair appraisal.

“In order for the value of her home to be accurate, she had to remove herself completely from the home,” Nelson said Monday. “She was at first ecstatic that she did in fact get the value that she thought her home deserved. … But then almost immediately after, she was heartbroken with the fact of what she had to do in order to get that value.”

Duffy, who was trying to refinance her mortgage last year, took additional steps on her third appraisal to ensure better results, according to the Fair Housing Center.

She did not declare her race or gender as part of the appraisal application process, and she limited her interactions with the appraiser to email, Nelson said.

The complaints allege discrimination against Duffy based on her “race” and “color.” They argue that the lower valuations amount to violations of Title VIII of the Civil Rights Act of 1968 as amended by the Fair Housing Act of 1988.

The first complaint names Citywide Home Loans, its employee Craig Hodges and Jeffrey Pierce of Pierce Appraisal Inc. No one named in the complaint responded to requests for comment Monday. The complaint says Pierce visited Duffy’s home on or around March 31, 2020.

The complaint says that Duffy’s home is in a historically African American neighborhood and that Pierce was “purposely pulling comps for the appraisal that were not fair and were racially motivated.”

The second complaint names Andre Mammino and Doug Frimmet of Freedom Mortgage. Mammino and Frimmet could not be reached for comment. Freedom Mortgage did not immediately respond to a request for comment. The complaint also named Timothy Boston of Appraisal Network. Boston, reached by phone Monday, declined to comment. The complaint named a third-party company, SingleSource, which assigned Boston for the appraisal. Representatives of the company did not comment.

The complaint alleges that on or about May 26, 2020, Boston conducted a home appraisal. Duffy later learned that it had valued her property at $110,000, with a cash-out value of $96,000.

Duffy had bought the home three years earlier for $100,000. At the time of the first two appraisals, “home values were rising dramatically,” according to a statement from the Fair Housing Center. Duffy challenged the appraisals with market analysis data and was rebuffed both times, the nonprofit’s statement said.