It is not clear what you are asking.
If you paid for an appraisal outside of closing (i.e., it was not going to be rolled into your loan), then the broker or lender does not have to refund the fee.
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It all depends upon the agreement between you and the lender. For a debtor making a real estate loan application, it is the debtor's responsibility to establish that the loan to value ratio is acceptable to the lender. The only way that can be done is through an updated appraisal. Most likely, you don't have any recourse to recover your appraisal fees. The three days rescission is applicable when you have the loan terms established. Here the lender granted you a lower loan amount, and you rejected. Edward C. Ip www.lawyer4property.com
No attorney / client relationship established. The answr is for discussion and general information only. The lawyer had not reviewed any documents or contract prior to the above comments.