Can the lender pull the loan after it was closed?

Patrick, it was outside of the 3 day window. They simply did not fund it like they should have and the only reason I have been given is that they deemed me a threat. They are alluding to Occupancy fraud. This is my primary residence, I would have to sell this one to get one in my parents state. Just because I asked a question, they stopped the funding. Once this debacle is clear, I may be calling you.

I just received a call from the office of the President of this company. My loan closed on 7/20, and on 7/25 I sent the below email to my loan officer. The president just told me based on the below email I show intent to not live in the property as my primary and they will not be funding the loan. I personally never knew of the 12 month requirement. Upon hearing it, I am fine, I don't break the law. I will get my wife an apartment in La, so she can go help our parents. If I was getting this loan under the guise as rental property (this is what they are accusing me of) Would I have sent an email? I would have expected my Loan broker to answer with "XXXX your first option is that you have to remain in the house 12 months" . Instead - he sent my email to the companies Security Department, who made the decision to pull the loan. I have been in this house 10 years and refinanced with them 4 years ago. XXXX, thank you for everything on the refinance. The client survey is in the mail with extremely good marks. I do have a question and it may be for another person at XXXXXX. I truly want to move back to Louisiana, and want to get pre approved for a loan there. Can you help me with this or recommend someone at XXXXXX?Understand I am not sure of any direction yet, I just want to talk to a loan officer to get an understanding of my options.Thanks,XXXXXXEnter your answer here

Thank all of you for your thoughts on this. I know the email I copied and pasted runs into my post.. but the bottom line is this, 4 days after closing I sent an email to the loan officer asking about my position on help getting a loan at some point in Louisiana. I then received a phone call who I was told was a member of the sales team that is licensed in Louisiana. This person was actually a person in Security. This person asked what my intentions were and I told her that ultimately I wanted to get to Louisiana. She asked when. uknowing of the rule - I said, 6 months to a year, if the market turns around. She then informs me that by virtue of the current Refi, I was bound to stay in the home for 12 months. I told her that I had no idea, and that not anywhere in the process did anyone tell me this. I told her that won't be a problem really because the market is still underwater. At this point she mentions something about having to undo the refi. I then told her to please don't do that, I had no idea of the mandate and I certainly will not break any laws, and maintain the primary and get my wife an apartment. At 5 that afternoon my agent called to tell me they were pulling the funding as I was a "threat". After calls from their RVP they are still not changing course on their decision and are accusing me of conspiracy to commit Occupancy Fraud. I find this so hard to believe I am speechless. Understand, for thirty years, I have been in fraud investigations for retailers! That is my career!!! More than the supid refi, I am now pissed at a company questioning my integrity. I have a credit rating of 780, make 150K, and have never in my life missed a payment of any kind. If they would spend the time to do any research they would see there is no way in gods green earth would I ever renege on an agreement. I refinanced for a total difference of 1.75% - It would take a hell of a lot more than that for me to jeopardize my good name and my integrity. Thank you all for your input.

That is definitely what I intend to do when I get their reasoning on paper. I have put over 1000 people in jail over the past 30 years investigating everything from shoplifting to multiple employee embezzlement. I have explained this to the Regional Vice President of Banking for this organization and although he agrees, that I probably was not seeking to do anything malicious, they won't fund the loan. This has truly been bizarre to me. I was contacted last night by their "Office of the President" telling me that they will be contacting me on Tuesday with a final answer. At this point, I don't want the loan. I don't want to do business with them. I am going to wait until they get me the reason in writing and then I will begin the process all over. I misspoke earlier, my loan is an FHA - and the loan I was applying for was a Streamline Refi. Not HARP. Linda, thanks for your input and suggestion.