Broker made us sign loan app before giving us GFE/TIN

You are not obligated to do anything with that broker.

Just because you signed an application does not obligate you to use that lender.. And your lender does not have to give you a GFE / TIL unless you sign something.. But really what you need to compare is the "Initial fee's worksheet".. That will have a breakdown of all the fees and costs associated with your refinance.. And it gives you what you need to shop and compare.. However your lender might have been hesitant to even produce that for you if he had not seen your credit.... His time is just as valuable as yours, so the fact that he had you sign an application allowing him to run your credit should not be a concern. If in your shopping you let multiple lenders run your credit, it could drive down your score.. so be careful.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Although it is understandable that you may not want to sign an application, but to be fair, giving the loan officer enough information to pull a credit report and an address to confirm a subject property means you applied. It is not uncommon for you to not receive a GFE and TIL at that first meeting, provided it is issued to you within the 3 days required by law. He is also correct that under California law, you are not obligate to continue using him. Most professional Loan Originators will ask for a signed application. And you, as a good consumer SHOULD shop for the best deal for you. One of the things I recommend all consumers to do is to check out their chosen Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org Check the employment history to see how long they have been originating mortgages. You want to make sure the one you use isn't a newbie. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com ~ 888-889-9950

Hi Lawren,Signing a loan application is not mandatory, however the broker can ask for either a Verbal or Written Authorization from you to run your credit and discuss your loan situation with a lender. you do not have to use that broker if you do not feel comfortable, you can always send them a written notice that you like to withdrawal your loan application. Fore a hassle free consolation please feel free to call us at 310 348 7878 and talk to one our available mortgage loan originators.

You are in no way obligated to use that broker just by signing an app. you can use whomever you wish to use to process your mortgage loan. I know that when someone completes an online app for me there is a box to check that allows me to pull their credit so I'm sure that was a big reason why he wanted you to sign.

You are not obligated to use that broker. Most of the time the broker will need some kind of written proof that he has your autherization to pull the credit report. Some lenders have a seperate from and others use the loan application.