Legal Question in Real Estate Law in Florida

If you agreed to pay for certain up front costs, such as a credit report, or appraisal, AND this was ordered AND completed prior to your notice to withdraw, then you are obligated to pay for lender's "out-of-pocket" expenses. If you did not agree to pay for itemized costs, or the expenditures were made after you sent notice of withdrawal, then the lender may not claim those costs against you. Placing a lien on a person's real property is a very risky move for this lender. If she does this, you should contact a real estate attorney to pursue a "slander of title" claim against her. She has no interest in your property, and she may only attach it if she gets a judgment against you for her collections action, and you refuse to pay. You may want to take her invoices and threats to a real estate attorney for review. Sometimes a letter or phone call from an attorney helps people to be more realistic as to their claims.