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Hello Wanna Move,
Do not feel bad that the broker is out the credit and appraisal fee. He should have pulled credit and preapproved you before he ordered an appraisal. In most situations the 3 credit reports cost around $17 - $40 and that is part of what we do.
Banks pull a different type of credit report and that is why your scores are different than the credit scores that you see. I know that seems odd but it is true. Even though they are all the same credit bureaus that you are working with, as a bank we pull different scores.
The broker should have done a rapid rescore process on you since you had paid off recent debts in order to try to improve the score. By waiting several months and pulling again, he most likely lowered your credit score again.
I am sorry to hear of your dilemma. Best of luck.
Sounds like you need to find a better loan officer..
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