Karl
Highlands Ranch,#2Consumer Comment
Sat, August 07, 2010
and let everyone you know about it, okay?
brownsong
culpeper,#3General Comment
Mon, July 26, 2010
I can't say anything about your other problems, but I have bought many houses and I have NEVER had my appraisal fee including in closing costs. I have ALWAYS had to pay for that up front, because the appraiser, who is not affiliated with the mortgage company, works independently and needs his money. So I don't believe you when you say that you sought legal advice and was told that. That's just baloney, and if you will come on here and slander a company by telling outright lies, I wonder how much of the rest of your story is true.
Also, sellers are under no obligation to fix anything. If they want to, to make the sale, fine, they can, but they don't have to. It is their house and they can do what they want. It is not yours until you sign the papers. Also, many numbers can be thrown around when applying for a mortgage, what matters is what you agree upon at the closing table. The mortgage company is telling you what their terms are, if you don't like it, go to another company. Or negotiate with them until agreeable terms are reached.
Sorry to sound rude, but you were not ripped off. Unless all the terms were changed AFTER you went to closing. Before, you can always back out.