I just had a realtor read your review. 1: you're 100% legal as long as everything you wrote was factual as you understand it. 2: there is no way the appraisal and inspection should have come out of your pocket, those should be written as contingencies into the contract, and picked up by the seller if problems are found, and not sorted... or appended to your loan if they pass. 3:Real Estate Agents are NOT Realtors, there is a reason that people go the extra mile, take the extra coursework, and pay the extra association fees, realtors have higher standards of practice.