JPMorgan Chase & Co. Mortgage Complaint

JPMorgan Chase & Co. Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Texas

We have had a mortgage with Chase for five years. I 've always paid the mortgage the first of the month. We now have almost - % equity in the house ( tax value was given as $470000.00 and we owe $220000.00. ) so first I wanted to refinance to get rid of the PMI and then to take out some equity to get out of debt due to medical bills. I contacted Chase to refinance and was told that it was preapproved and I sent the necessary documentation ( pay stubs, tax returns, etc. ) During the past nine-ten weeks they have repeatedly contacted us to tell us everything was fine and they did n't need anything. Then I was contacted and told they were not going to take the amount I pay for my student loans they were going to use a different calculation and now my debt to income was too high. I agreed to make some other changes to the loan, and it went back again. They told These changes included paying something else off and other changes. They then came back today and said that on my tax return ( that they have had for more than 8 weeks ) I have some business expenses I claim on my tax returns and that they were going to take this amount off of my income. Because of this new calculations my debt to income ratio was off again. The final loan was going to be $80.00 more per month and would eliminate basically all of my debt BUT they still wo n't approve it. REMEMBER I ALREADY HAVE A MORTGAGE WITH CHASE AND PAY IT ON TIME. Chase is the WORST company to deal with and it appears they are making up the rules as they go along.