I have been lied to repeatedly

More info needed, but you might want to consult with an attorney familiar with the lending rules in your state.. For most, if you withdraw/cancel your loan PRIOR to the underwriting decision, then in most states, the lender has to refund you any monies you paid.. (including appraisal).. however, this does not relieve you of your contractual obligation on the sales contract.. if you withdraw your loan, then you could forfeit your earnest money deposit. I'm a preferred Lender with California and Arizona being my primary markets. 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 NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893

Sorry to hear of your troubles, and I hope it all works out. But this is a prime example of why picking an experienced licensed Loan Officer to handle your largest financial; transaction is way more important that just calling 1-800-Big-Bank, or going with some guy on the internet 'quoting' the 'best' deal. My tips for picking a lender? First, 90% of your success is the Loan Officer themselves, and only 10% of the success is the company, so focus on the Loan Officer. Stay local. Pick someone you could drive to if needed. Stay away from big internet lenders, and banks. Do an internet search on the actual Loan Officer. What do you see? Finally, if their NMLS number is above about 700,000 - this means they are relatively new to the being a loan officer, and if their number is above 1,000,000 - they are brand new. Pick a Loan Officer with years of local experience, a documented good review history, and you generally will have a successful transaction. For loan in WI, MN, and SD, visit me at www.MortgagesUnlimited.biz