Bank of America Refinance Home Mortgage sent me low rate refinance home mortgage notice by mail. 
So I applied and provided everything what they need for qualifying of me to get low rate refinancing. 
But he sent me following Email and want pay appraisal fee. 
" XXXX XXXX, I tried to call you about could not get through. I have tried this several ways, and there is not a way I can get you approved because of the debt to income being too high. 
The last thing I would want you to do is pay for an appraisal if we can not get you approved. 
Wish I had better news for you, I wish you guys the best of luck here. 
Regards, '' I have a good enough my credit and income for qualifying the loan. 
I do not understand why they refusing to approve my refinancing. 
XXXX XXXX XXXX 
