Technically the due on sale clause was triggered when you did the quitclaim, you got lucky and never got served with a demand to pay off the loan.
It's pretty rare to need an appraisal on a HARP loan, you should ask your loan officer to double check that he's reading the findings correctly.
Source: http://www.zillow.com/advice-thread/quick-claim-deed-refinancing/478121/
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