Am I really out the appraisal money?

[Heather U.]

Went with Wells Fargo for a loan and the told them very upfront that we work overseas and live there most of the year, though we have a US primary house that we stay at for 3 months out of the year etc...They strung us along for 3 weeks "processing" the loan. Finally after we emailed them asking (again) what is going on we got an email stating 

"the purchase we will not be approved for. An investment purchase they are letting us know you will be denied. The reason is because we cannot issue a investment property to someone who is living out of the country. I am sorry, we had your mothers primary address in the borrower information screen when this was submitted"

So I'm super irritated and annoyed and wondering why he put my mil's as the primary address etc..Anyway, it was a really bad experience and I feel like the agent's fault for the denial as he knew we were overseas and he had the wrong address in the application which I have no idea why.  

So I want to know if there is any recourse to get reimbursed for the money we are out from the Appraisal, which as of yet I have no idea if it was completed or not because the agent "is checking."  Should I put a flag on that charge on my credit card to say it is being disputed? tia