BB&T Financial Mortgage Complaint

BB&T Financial Mortgage department,

Home equity loan or line of credit Credit decision / Underwriting Pennsylvania

I applied with my fiance - for a home equity line of credit with BB & T Bank on two separate occasions. We were verbally turned down twice ; stating since - was not on the house mortgage loan, she did not qualify as a co-borrower. We never received any official turn down letters and it has been well over 30 days. On one occasion we were told we could not afford the payments for the amount requested, we then lowered the amount of the loan only then to be told that - did not qualify as a co-borrower. We were told because - is not on the mortgage, that she could leave and I would n't be able to make the payments. At one point, BB & T asked - to provide a utility bill to prove she actually lives at the residence, even though she has credit accounts, a drivers license, pay stubs, and - all showing our address. I have called many banks and asked if a co-applicant could go on the home equity loan, while not being on the mortgage or deed, and have been told its permitted. We both have excellent credit and are not sure what the real reason is for not being approved. By law they can not turn us down because we are n't married, and - hopes it is not due to her being -. We are concerned that it could be one of those two reasons.