Perhaps you should go back to the cornfields and hide behind some fake internet profile.
Who did you use Daniel-San?
@ "Norm D. Plume" it's not an irresponsible statement, there are thousands of people who make payments who are currently being denied refinanacing for no faults of their own. However I doubt it's worth arguing with someone like yourself.
The exact same thing just happened to my wife and I. A+ credit ratings, never a late payment on anything. We had no idea how this was attached to our loan or the implications it would have. We were finally excited to be able to refinance our condo after years of being shot down, only to be excluded yet again. Once again for the people who pay their mortgages there are no real programs to help you out.