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When you order and pay for an appraisal you are buying a product. If the appraisal is performed then you are not usually entitled to any refund of the appraisal fee. When you are requesting a mortgage from a lender you are telling that lender that your home is adequate collateral for the loan requested. The burden of proof is on the borrower. If you cancel you application the appraisal is still yours to keep.
where in the TIL are you seeing a statement that says transaction fees may be refundable?Once the service has been provided the fee has been earned and is not refundable. In some instances an appraisal may be transferable to another lender. Good Luck.
You will not get the appraisal fee back because the service was actually completed. The appraisal is something the Lender has no control over and is not responsible for issuing you a refund for an appraisal. You can cancel whenever you want, but it will not change the fact the appraiser conducted the service. Your cost for the appraisal is a cost for researching the value of your home and should not be refunded unless they have not done the appraisal. The Lender will not refund a fee that they did not technically charge you. Its like walking into Walmart with a McDonald's receipt demanding a refund. Sorry your value came back short - try finding some comps in your area or recent sales that would dictate a higher value
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