My husband and I refinanced in XXXX ( two weeks outside of HARP eligibility ) with Santander ( formerly Sovereign Bank ). In XXXX, my husband and I divorced, requiring me to refinance alone, in order to remain in my home. The lender refused to consider the combination of my XXXX income and private XXXX income, and required me to add my elderly retired father as a co-signee/guarantor, as a condition of refinancing, both in XXXX and again in XXXX, when the loan was refinanced to a lower interest rate. After reading CFPB Bulletin 2014-03, I believe this action violated the law, because my XXXX income and excellent credit should have been ( and continues to be ) sufficient to refinance the 30 year fixed rate loans. 
