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I started a re-finance on my house and they were more then happy to take my info and credit card # for a application fee and credit check fee. But when my appraisal came in low they wanted to charge me a PMI and I said cancel the whole thing. So then they charged my credit card for the appraisal. The comparables they used were not "viable" sales but they said I can't fight the appraisal company and refuse to give me a refund on my application fee. Nothing was said about a PMI at the beginning. I feel ripped off and am sorry I have a mortgage with them.


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