Pacific Union Financial, LLC Mortgage Complaint

Pacific Union Financial, LLC Mortgage department,

VA mortgage Credit decision / Underwriting Oklahoma

Applied to refinance existing mortgage. Provided documents asked for including -/-/- and -/-/- tax returns and -. I wanted the mortgage refinanced based upon mine and my wife 's retirement income. The tax returns shown sources of income/loss other in addition to our retire income. The losses were due to horse business. In -/-/- my wife had some health issues and we decided to close the horse business. Because we closed the business during the year we still detected from our -/-/- income taxes. The underwriter wants to continue to use this in their income to debt ratio calculations even though we have provided a letter that states we are no longer in the horses business. In addition the -/-/- tax return shows income from an employer which they do not use in their income to debt ratio calculations. They are selectively picking data and ignore other data that is available.