@Teresa MengFile a complaint with your state Contact a local beat writer to see if they will pick up the story if the above is true try and bring as much attention to the situation.Most threaten lawsuits but never will go through with it especially if they did not fulfill as it would lead to discovery and could bring up more problems for the sponsor

Quote from @Linda Roberts: Don't leave any question unanswered.

Consider equity shares, profit-sharing arrangements, or other creative financing structures.Legal and Financial Structuring: Work with legal and financial professionals to finalize agreements and ensure compliance with regulatory requirements.If you have any other questions, just want to discuss, or need a loan officer please feel free to reach out to me directly!

@Jack Smith Check out the Facebook page 'Southwest Florida Real Estate Investor Network' for any questions and other local meetups.

A lot has changed since you posted this question 4 months ago. 

I am an investor/agent here in the Cincinnati and SW Ohio, happy to answer any questions you may have.

I have seen many buyers get cold feet once they get into underwriting with a local lender and the loan officer fails to go over total costs including down payment and closing costs.If you have any questions feel free to reach out I enjoy talking REI and helping

While your broker/lender should have told you explicitly about the prepay, it's incumbent on the borrower to at least read enough to comprehend and if you don't understand what you're reading (very possible) ask questions. 

All of my contact information is listed, Feel free to reach out if you have questions.

My question to y’all is, is arbitrage legal in Denver or surrounding cities?