My loan didn’t close due to HOA not haivng Budget Reserves. I have a new Lender who has no problem with the HOA not having Reserves. And I have a better deal with new Lender. The new Lender sent me an Appraisal Transfer Letter to give to Chase. Is Chase known to transfer Appraisal? Also, I am hoping the Seller ( REO Property) grant me an extention since I have a new Lender. If they don’t I still get all of my earnest money back because the loan didn’t close due to the issue with HOA.