peoples bank banking unusual as with others, lender claimed I was pre-approved & only needed to pay appraisal fee and it would fund..after doing that, they' disapproved loan & kept money Internet

This lender is known ( just researched on internet) for taking fees for appraisals before the loan is approved, even though  they claim it has been approved.

in my case, they even had appraiser return at an extra fee in order to confirm an extra gas line had been capped.

They pre-wrote letters of explanations stating if we signed, it would qualify us.

One month, $525 later, they now want to switch us to a more expensive loan stating we don't qualify because the

appraiser stated, which I don't believe, that we didn't reside there, even though we do....but drivers license shows a 

former address and utility bill shows a po box...all which they knew before we paid the $525 !

I think this whole fiasco was a bait and switch...