More info needed, but in general, if you cancel the file within 3 days of application, then the lender must refund you any monies you paid to them.. if however, you go beyond the 3 day waiting period, then the lender is not required to refund you any costs.. The appraisal fee is a 3rd party fee and would be subject to their policy.. typically, if the inspection has not been done, then they will cancel with a small cancellation fee (Say $100 or so).. otherwise, if the appraisal report was completed, then no.. you would not be subject to a refund. As far as the processing fee.. most lenders do not charge this upfront.. it's collected at closing.. in fact the only lender I'm aware of that charges an upfront processing fee is Wells Fargo.. This might have changed, but I remember a while back it was done on all transactions..
William J. Acres, California/Arizona NMLS 226347