I went to Cindy to refinance my home mortgage. She assigned one of her inexperience employee to handle my application.
It took over 4 months and in the end they told me that my application was rejected!
And it was by the same bank who I currently have loan with!
It also cost $450 out of my own pocket on the home appraisal fee.
I am single, with high income and have never been rejected in my previous 3 refinances in the past 2 years at another mortgage company in Fremont.
I only went to Cindy because she was closer to where I live. She told me the rejection was because I didn’t have an official divorce paper from the US.
I got divorced in Taiwan and it was impossible to have a US divorce document.
The person Cindy assigned to handled my application was very inexperienced.
She did not know answer to most questions and was just trying random things like asking me to write letters to the bank, translate my Taiwan divorce document to English…etc.
In the when my application was rejected, Cindy told me I have to start over again and she will find another mortgage company which is not as strict,.
No way am I going to pay another $450 appraisal fee so she can do another trial and error on my application.