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This is not legal advice:Stop thinking about this mess until you get home from vacation. When you get home, send in the rescission form with a signed and dated statement such as the one you have made here, don't give them the bank statement, dispute any upfront charges with your credit card company and start over. Chances are you will end up getting a better deal in the long run (even if you do eat the appraisal fee etc.). Enjoy the rest of your vacation and contact Justin Sheftel when you get back, he will take good care of you. Validating larger then a few hundred bucks in non labeled/regular bank deposits is done by the underwriter because:1) To make sure any funds to close and cash reserves are indeed the borrowers2) Homeland.Security spyglass
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