Ted is right, if you never actually applied includng signing loan documents, you should not be charged for the appraisal. Sounds like someone jumped the gun. Was the lender affiliated with the Realtor? They would not normally be involved in the process and should not have any way to “charge” you for the appraisal. Maybe they are tryin got help out the mortgage officer who should have checked with you before ordering the appraisal.
On the other hand, if you gave them reason to believe that you were moving forward with purchase of the home they may have moved ahead in good faith. Check with a local attorney who is knowledgable about real estate.
If you never signed a loan package, including the Good Faith Estimate, Truth in Lending, loan application, etc, you should not be responsible for any appraisal fees. A little curious as to how “the realtor” could be charging you for an appraisal fee…..lenders, not realtors order appraisals.
Lenders are required to either wait three business days after borrowers receive their initial disclosures or to have a signed Good Faith Estimate and intent to proceed prior to ordering an appraisal. In addition, most require a credit card or other deposit upfront from borrower.