Business ProfileforCapital Funding Financial LLC

I began a hard money loan with Capital Funding based on terms that were emailed to me. I signed a term sheet that was agreed upon with specifics terms. In order to process the closing, they required an appraisal with an appraisal fee of $905. Since I was in agreement with their terms, I proceeded with them and paid the appraisal fee of $905 on 7/11/23. Later that same day, AFTER I paid the appraisal fee, my husband and I received a phone call from ****** at Capital Funding stating that they were changing our terms and were requesting an additional almost $20,000 at closing. They did offer to increase the loan percentage amount and allow us to also finance the additional funds requested. ****** said she would hold off on putting the appraisal through until we made a decision on whether we wanted to move forward with the new terms. I requested a new term sheet be sent via email so that we could look over the numbers. She said she would get something over to me the next day, 7/12. On 7/12 at approximately 3:00pm when I still hadn't received the new term sheet I called ****** to find out the status. She said they were still working on it. On 7/13, I sent ****** an email asking her more questions on the change in terms to see if there was room for negotiation. Even though a new term sheet was never sent or received, Capital Funding still sent an appraiser to the property on 7/13 at 10am, only 1 day after they changed the terms and agreed to hold off on the appraisal. Since ****** never sent the term sheet, never responded to my multiple emails after 7/12 or returned my phone calls, I requested not to move forward with them on 7/14 via email. I called ****** today 7/18 as she never responded to my loan withdrawal email and explained to me they were sill processing my loan. They are refusing to refund my appraisal fee of $905.00.