Number one, you can pretty much forget about a refund
Second, it's amazing to see posts from those who are clueless about how hard it is to get borrowers financing in certain situations.
Tell us exactly what happened from start to finish and about your credit, liabilities, asset, debt to income ratios.
What exactly happened?
FLORIDA MORTGAGE BROKER RESPONDING
Without knowing both sides of the story, I lean towards defending a fellow Mortgage Broker as 99% of the time these days its usually a situation where they're doing everything they can to overcome the borrower's credit and financial issues, in this, the hardest time in history to obtain a loan.
All depends on your CLADD:
What are the issues here? Explain what has happened from the beginning in detail, as if the your Mortgage Broker could read what you are writing and could respond too, so we can advise.
The part about them not responding would really make me mad too, but again, there are two sides to every story.
Best of Luck!
I am sorry to hear that you have been experiencing such horrible service. Your appraisal should be able to be recertified for a lesser cost than the cost of a whole new appraisal. My recommendation would be to find a new lender! What you have been experiencing is unaaceptable. If you are getting an FHA loan, the appraisal will follow your file as there is an FHA case # assigned tio you.
Let me refer you to our preferred lender. They are honest and can get things done fast for you. His name is Tyler Bahnsen and he is with Prospect Mortgage. Here is hos contact info. You can even call him tonight or over the weekend on his cell phone and he will respond. If he doesn't answer, leave a message. Make sure to tell him that Jimmy sent you. Also, please feel free to contact me if you need any help. Jimmy 239-877-3194
TYLER L. BAHNSEN
PROSPECT MORTGAGE, LLC
121 Alhambra Plaza, Suite 1500
Coral Gables, FL 33134
This is a loaded question. I always urge my out of state buyers to use a local lender, such as a corespondent lender that does their own underwriting and meets deadlines. They know the local market and state statutes and rules, as a local Realtor would.
Your situation is a classic result for those that try to sell "by owner" or go "direct" to that seller on their own thinking they will save commission, and do not have professional guidance in a legal transaction.
Whatever the reason, the result is you lose in the long run. You need a professional local Realtor, mortgage company, and real estate attorney.
Again, you may not receive an "easy" answer on Trulia but need a professional review. It's worth what you may lose otherwise.
I have the resources that have assisted my clients in successful results, should you decide to go that route.
"Outstanding Performance Award Winner"
Downing-Frye Realty, Inc.