The biggest obstacle was a home equity loan and line of credit that we paid off and closed before we made application for their loan. We did not want to go through the hassle of subrogation. They required information of what funds we used to pay off this loan (under $10,000). We sent them bank statements showing the accounts it came from that the bank provided to us. These were not sufficient for their purpose. After 30 pdf uploads of files, many of them several pages, I said "That's enough; no more." They chose to close my file
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