Flagstar Bank Mortgage Complaint

Flagstar Bank Mortgage department,

FHA mortgage Credit decision / Underwriting Connecticut

I applied for the FHA Streamline Refinance because I was looking to lower my fixed rate mortgage from 4.75 % to 3.5-4.25 % fixed. I called and spoke with - - in the Direct Lending Department. I advised him I am a former beneficiary of the Federal Emergency Home Loan Program and the FHA HAMP. At first I asked him if Flagstar Bank would subordinate to - - who had already preapproved me for a lower rate ; however, - said that I could get a lower rate through Flagstar. - - had made me believe that it would be worth pursuing an FHA Streamline Refinance. Ultimately he said I do not qualify because they could only offer me a rate of 4.68 % because of my credit. Since my rate is currently at 4.75 % they would not reduce it to 4.68 % because it is too small of a change. I have been current on my mortgage since -/-/- or -/-/2011 yet Flagstar still did a Lockout '' on my house. They changed the deadbolt lock on me and have yet to reimburse me so I can put a new lock in which they do not have a key for. I do not have the key to the deadbolt lock currently on my door.