Idaho
My wife and I could use some legal advise in our situation. We had opted to refinance our house to a 15year loan and the mortgage broker sent out an appraiser to appraise the house. I called to ask if we were responsible for the appraiser fee of $400 dollars or if the mortgage company would pay, but she never returned our phone calls. I decided to see if the mortgage refinance was worth it so I used a mortgage calculator to see how much we would save. I found out that if we paid the monthly amount on our current loan as the refinance monthly amount we would actually pay our house off a year earlier. We decided not to go through with the refinance and now the mortgage company wants us to pay the appraisal fee even though we did not agree verbally agree or sign any documents stating we had to. Now they are threating to put a lien on our house if we don't pay.
From our perspective, I don't see how they could put a lien on our house without any document signatures or verbal agreements. It looks as though they are going to try to go forward with the lien, so my wife and I are going to go to their company and try and talk to her supervisor.What is the name of your state (only U.S. law)?
My wife and I could use some legal advise in our situation. We had opted to refinance our house to a 15year loan and the mortgage broker sent out an appraiser to appraise the house. I called to ask if we were responsible for the appraiser fee of $400 dollars or if the mortgage company would pay, but she never returned our phone calls. I decided to see if the mortgage refinance was worth it so I used a mortgage calculator to see how much we would save. I found out that if we paid the monthly amount on our current loan as the refinance monthly amount we would actually pay our house off a year earlier. We decided not to go through with the refinance and now the mortgage company wants us to pay the appraisal fee even though we did not agree verbally agree or sign any documents stating we had to. Now they are threating to put a lien on our house if we don't pay.
From our perspective, I don't see how they could put a lien on our house without any document signatures or verbal agreements. It looks as though they are going to try to go forward with the lien, so my wife and I are going to go to their company and try and talk to her supervisor.What is the name of your state (only U.S. law)?
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