I just received a call from a homeowner who said that I did a COD appraisal in July of 2003. She said that the bank told her that the appraisal fee was built in to the loan program and that she should of not paid direct for it. They told her to get a refund from the appraiser. My first question was which mortgage broker was this through. It was through a broker I have not spoken to since late 2003. I told her the rules and regualtions about the broker being my client, yada, yada, yada. It took me a while to get through to her , to get her to call the broker. It appears that the broker put her into a loan program with higher fees than she could of gotten if she went directly to the bank. What these brokers do still never stops to amaze me. Last week, and irate home owner called saying that he got a copy of the report from the lender and it had black and white pictures. He wanted me to send him color pictures. He was getting angry at me when I told him to get them from the lender. Although I am in the right, I do get concerned that these people could go and complain to the state. How about that, a refund of the fee from 2003. Hey, Target only has a 90 return policy!! Happy holiday's to all!!