[Joe Rubin]

or usually ONLY on closing meaning only if mortgage is approved? Hi All,I have a situation where I understand it is not easy to approved my mortgage refinance application due to no employment income (I am self employed). Therefore, I am trying to work with mortgage brokers instead of directly with the banks.One of the conditional mortgage commitments I got says $2000 mortgage finder fee is due in a week and is non refundable - even if the bank does not approved me eventually (meaning does not release all the conditions they have) I will not get the $2,000 back.I am OK with the $2000 fee BUT my question is: is it reasonable that it is NON-REFUNDABLE even if the bank ends up not approving my loan!?Should I insist on changing it to $2000 paid on closing meaning only when and if the bank transfer the money after approving me?THANKS.