Thank you for your question, Nick:
You have received excellent responses from Mitchell Pierce, Ron Thomas, Bradley Wilson and Sheryl Arndt.
This is a legal issue. My experience with this issue is that the banks and their representatives often do not follow the law. If the lender and their representatives do not follow the law, you will need an Attorney to force them to follow the law, if necessary.
The Attorney that I recommend is Ron Rossi. You may reach Mr. Rossi at his telephone number: (408)261-4252.
Charles Butterfield MBA
Real Estate Broker/REALTOR
Cell Phone: (408)509-6218
Email Address: email@example.com