Santander Bank US Mortgage Complaint

Santander Bank US Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Massachusetts

My husband and I refinanced in - ( two weeks outside of HARP eligibility ) with Santander ( formerly Sovereign Bank ). In -, my husband and I divorced, requiring me to refinance alone, in order to remain in my home. The lender refused to consider the combination of my - income and private - income, and required me to add my elderly retired father as a co-signee/guarantor, as a condition of refinancing, both in - and again in -, when the loan was refinanced to a lower interest rate. After reading CFPB Bulletin 2014-03, I believe this action violated the law, because my - income and excellent credit should have been ( and continues to be ) sufficient to refinance the 30 year fixed rate loans.