Bank of America Mortgage Complaint

Bank of America Mortgage department,

FHA mortgage Credit decision / Underwriting North Carolina

On -/-/- - I called my bank ( and employer ) to check to see if I could refinance my mortgage. - provided great service. She ran all the numbers and saw where I could lower my mortgage by -. During the application the " ratio '' came out too high ; So we could n't continue with the application. After the call, this disturbed me ... I am already paying my current mortgage ( without incident ) and there is an opportunity for me to lower it by - and the application system wo n't recommend it - this seems really unfair ( almost illegal ) ; I asked that they relook at the application - The decision not to move forward would seem logical to me if I were requesting adding additional credit, etc ; but if I 'm eligible for a reduction and my financial state is the same or better ( as when I originally initiated the mortgage back in - ) why should I be denied this opportunity