When should a mortgage broker order an appraisal?

I live in Washington State. In August we found a house to buy and started using a mortgage broker we felt comfortable with for our home loan. All was going well, he even gave the sellers agent a approval letter, until he actually tried to get the loan, then all of the sudden he couldn’t find one and we had to switch to a company that had more loan programs available to them. Anyways it turns out that he ordered an appraisal without even having a lender willing to take our application (In his words he ordered it when all looked like it would go through) Once we switched mortgage brokers, the new lender we were going with wanted their own appraisal which was paid for out of closing. Now the original broker is questioning us about paying for the first appraisal. Seems to me he jumped the gun and should eat the cost himself. Anyone know what the standard practice is here in my state?

My fiance and I went to apply for an FHA mortgage today in the state of Indiana. The mortgage company was Bank of America Home loans. After we inquired, she told us that the 10% or $ 8000 credit could not be used as an additional down payment and towards closing costs, on top of the 3.5% we’ve got.

This seems to contradict everything I am reading, including the Washington Post. She stated we would receive it as a tax credit next year. We were really hoping to use it towards the down payment. Is she correct?

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