I am very sad at this times, after several month waiting on the underwriter to let us know if we were approval or not. The underwriter became to a point that she very looking for item to denied our loan. We feel she wasted out time, and money. We supply every piece of documents they ask for. We feel due to our race the underwriter, made a major factor and denied our loan. Also XXXX XXXX started this problem we try first them then, XXXX small thing pop up and they denied her first, for not a good reason. 
