I was ask to pay the appraisal fee ahead of time. In response to Kelvin Green , I didn't request for appraisal to determine the ltv. It was expect of me from the lender. But because after appraisal , it turn out that it didn't have enough equity so I had to put in more money for the loan so I cancel the loan. How would I know if I am entitle to my deposit with 3 day rescind law?