Loan application denied due to HOA litigation - my options?I recently applied for a loan refinance through a mortgage broker (Ratecomb) I found on Zillow over a month ago. Just yesterday I was told that the lender denied my loan due to HOA litigation.Timeline of Events:June 15 - Loan application submittedJuly 2 - Message from broker - "Congratulation on your approval! Your approval is clean and we don't need anything from you at this point. We are working on our internal conditions"July 24 - Message from broker - "Loan application denied by lender due to HOA litigation"Facts:1. I have a 800+ credit rating and good financial standing2. I was charged $530 for a credit report upfront3. My appraisal report clearly states that there is not HOA litigation on my property4. There is an outstanding litigation on one of the other 6 sub-divisions which is part of the same HOA5. It took 39 days to for someone to tell me that my loan application has been denied because of the aboveSo, essentially due to no fault of mine, I'm left with a $530 charge on my credit card and a denied loan application. What should I do?July 25 2012 - Santa Clara00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.