I was contacted by XXXX XXXX ( XXXXXXXXXXXX ) on XXXX XXXX 2015 to discuss a loan refinance on mycurrent 7 % mortgage. I told the mortgage banker that I have n't been able to refinance becauseof self employment and little to no XXXX income. After talking with her for 3+ hours, she said that wewould be able to work together and even told me they could refinance XXXX our rental properties. 
On XXXX XXXX 2015 Loan Depot removed 2 x {$390.00} from our bank account for XXXX appraisals. 
The appraisal for the primary property was completed on XXXX XXXX. 
We were contacted on the XXXX telling us we would n't qualify for the refi. 
After complaining we did get a refund for the rental appraisal not completed, but not for the completedappraisal. We did n't understand why the appraisals were ordered prior to being approved for a loan. 
We are currently working with a different company and requested the appraisal that we PAID FOR fromloan depot. They refused to transfer the appraisal to our current lender, forcing us to pay for another appraisal. We are requesting a {$390.00} refund for the appraisal that we ca n't use for our refinance. 
Loan Depot wo n't answer our request. 
Sincerely, XXXX XXXXXXXXXXXX 
