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I am purchasing a house. My loan officer ordered the appraisal ($455). When I received the appraisal (after asking for it multiple times), I noticed the invoice was for $350 only. I checked my credit card info, and it the charge was from the loan officer's company, not the appraiser. I double-checked the good faith estimate, and i didn't see any fee from the loan officer's company that they put ontop of the appraisal price. Since an appraisal is done by an independant 3rd party, shouldn't my invoice match what i was charged? Any help understanding what this might be, is appriciated. btw, I've left a message asking about this, but this loan officer's lines of communication is disappointingly lacking. too bad i was stuck with her due to my contract.
Hi, yes they are. Your charge should be for the amount charged. Tell them that unless they are a licensed appraisal company too, it is illegal to say they are charging an amount over the actual charge. Since it was not listed under the estimated good faith, they are in violation of RESPA, Real Estate Settlement Procedures Act, and if the amount is not returned immediately, you can turn them in to HUD on the HUD fraud line, state police as well. This is also grounds to demand a change to a sale contract for you to go to any lender, which by the way, is also a violation called "steering" and is adopted in all states to my knowledge, for any Realtor to require a specific lender. If the seller required this lender, they can be liable for any damages arising from using that lender, you can use that to get out of the deal if you like too, if they balk, see an attorney. Hope that does it, good luck.
Jimmy what state are you in? I know Wellington recently outlawed loan officers and appraisers dealing with each other directly- to avoid collusion over the home value. An appraisal is no an APR charge and therefore there should not be anything going to the LO. It is not uncommon for a loan officer to deal with the appraiser instead of you directly, but they should not be increasing the value, or getting a kick back. As on of the other users said it is a RESPA violation. For info on your states mortgage laws check :
You would not be dealing with the appraiser directly, so the nature of the charge is not suspect. But the discrepancy between what you were charged and the invoice seems fishy. I would definitely require an explanation; it may be they have a good one but you deserve to know it.