Bedini Bee & Pest Control

I am attaching my response along with documents to support Please call me if you have any questionsThank you Cindy S [redacted]

Attached is the appraisal done on my property weeks prior to the appraisal ordered by Hart West that came in $lower.....and below is the email I sent them when they requested comps as Ms S [redacted] acknowledges in her response as dated 9/And I never heard from them again until 10/when it was too late to close my loan during the lock period, and this is when they told me it would cost $to extend the lock.....'Here is an appraisal done on this exact property weeks prior....the home that I cited that sold for $485k is the exact same model but not updated at all and the previous appraiser saw the value differenceAnother home just like mine with no updates just went on the market for $500k and days later is under contractSee comparable homes in the attached appraisal report.'Never did I receive a message from Hart West telling me that I had not submitted proper comps....why did it take them 3+ weeks to get back to me? I asked them to cover the cost of the lock extension which they would not do even though I had not heard from them in over weeks and assumed the loan was still in the works after submitting comps as requested.As you can see in Ms S [redacted] 's response they did not reach out to me from 9/until 10/when it was too late to close the loan within the lock periodI have refinanced many times through the years and never had a lender who could not close a loan within a day lock period let alone a day lockAt the end of Ms S [redacted] 's response she mentions I did ask what costs would be if I agreed to pay the lock extension fee as I could see that Hart West was not going to concede on anything and help cover fees to extend the loan and she said I would be subject to the current rates for that dayMs S [redacted] seems to be able to pass the blame to Provident Funding saying they would not extend the lock....but where is Hart West's responsibility to come through when the lender they use does not? Please review the gap in communication from 9/30-10/21....Hart West had plenty of time to let me know they needed different comps, or that the comps I submitted were not adequateThat would have given me time to consider lowering the amount of the loan sooner, something I did do when they let me know that was needed [redacted]

Attached is the appraisal done on my property 6 weeks prior to the appraisal ordered by Hart West that came in $15 lower.....and below is the...

email I sent them when they requested 2 comps as Ms S[redacted] acknowledges in her response as dated 9/30. And I never heard from them again until 10/21 when it was too late to close my loan during the lock period, and this is when they told me it would cost $990 to extend the lock.....'Here is an appraisal done on this exact property 6 weeks prior....the home that I cited that sold for $485k is the exact same model but not updated at all and the previous appraiser saw the value difference. Another home just like mine with no updates just went on the market for $500k and 3 days later is under contract. See comparable homes in the attached appraisal report.'Never did I receive a message from Hart West telling me that I had not submitted proper comps....why did it take them 3+ weeks to get back to me? I asked them to cover the cost of the lock extension which they would not do even though I had not heard from them in over 3 weeks and assumed the loan was still in the works after submitting comps as requested.As you can see in Ms S[redacted]'s response they did not reach out to me from 9/30 until 10/21 when it was too late to close the loan within the lock period. I have refinanced many times through the years and never had a lender who could not close a loan within a 30 day lock period let alone a 45 day lock. At the end of Ms S[redacted]'s response she mentions I did ask what costs would be if I agreed to pay the lock extension fee as I could see that Hart West was not going to concede on anything and help cover fees to extend the loan and she said I would be subject to the current rates for that day. Ms S[redacted] seems to be able to pass the blame to Provident Funding saying they would not extend the lock....but where is Hart West's responsibility to come through when the lender they use does not? Please review the gap in communication from 9/30-10/21....Hart West had plenty of time to let me know they needed different comps, or that the comps I submitted were not adequate. That would have given me time to consider lowering the amount of the loan sooner, something I did do when they let me know that was needed. [redacted]

After careful review of all the facts Hart West Financial has done nothing wrong.   We are sorry the borrowers appraisal did not come in for value.   We do not guarantee values nor do we have control over the licensed appraiser that goes out to perform his job.    The borrower emailed us on 09/30 that he didn't think he would go thru because he would not have any financial benefit paying PMI.    He would not have a net tangible benefit to move forward even if he paid his loan down.   We do not wish to futher drag out this process.  We have decicded to comply with Mr. [redacted]'s request to refund the money.We will send a check via [redacted] tomorrow. Warm RegardsCindy S[redacted], VPHart West Financial

I am attaching my response along with documents to support.   Please call me if you have any questions. Thank you Cindy S[redacted]