I was working with a XXXX XXXX to refinance my loan using VA XXXX with Pacific Home Loans. I signed paperwork but in the end I decided that the loan was n't conducive to my needs and asked to cancel it. The XXXX XXXX told me that I would have to pay a {$500.00} fee to cancel. I corrected him and told him by law that I had three ( 3 ) days to cancel the loan and since he did n't provide rescission documents I actually had three ( 3 ) years to rescind. He asked me to send him an email and I told him that I sent a certified letter to cancel. I 've checked and the loan paperwork is still active. 
