We have a borrower that provided us a check for $1200 for an appraisal to be done on his home purchase. Before the appraisal was ever started, he pulled out of the contract on that home and withdrew his loan application. Shortly after, he started a new loan for a new property. Can we transfer that collected $1200 to this new loan directly or do we have to refund the borrower and then obtain new payment to comply with intent to proceed rules and whatnot? I know we have had situations where they started a new loan on the same property and we were able to transfer the appraisal and fee collected to the new loan, but I wasn't sure how it works with it just being the fee and a different property.