The bank now has a copy of the quote and the plans so they can satisfy themselves that the end product will be worth enough for them to sell and get their money back.
We've had no end of headaches with the incompetent people at our local credit union. I'm sure the only person who understands how a loan should work is the manager, and we're "not allowed" to talk to him.
At this stage I'm wishing there wasn't a $2K early termination fee... but I think regardless, we will refinance elsewhere when it comes time to selling our old house.
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