We are trying to refinance through First Horizon Mortgage. They have strung the process out for months, always needing "one more document" and "one more fax." Now, they are telling us that we need to have a second survey done of our house (the original survey was of the land before we built the house) and that we need to pay an extra $350 for the survey or pay a $500 cancellation fee. Is this ethical/legal? The original survey was sufficient when we got our original loan, so why isn't it now? And shouldn't we have been informed a second survey would be needed before we agreed to the $500 deposit?