This summer I started the process of refinancing my home with Bank of America to lower the monthly payment. 
When I initially spoke to the loan officer, around XXXX XXXX, 2015 the discussion of the configuration of my home was discussed, that there was a guest suite in the lower level of the home. A friend of mine is staying there at this time. There was no discussion that this would be a problem. 

After I satisfied numerous concerns that were raised as to income, insurance etc. there was a call XXXX asking for a charge card so an appraisal could be done. At this point the only concern The loan officer addressed was that the house would appraise at least {$180000.00}. At this point there was no mention of any problems. The fee charged on XXXX XXXX was {$460.00}. 

After the appraisal was completed, I was asked to provide another letter of explanation for XXXX items. After I provided these I did not hear from the loan officer until I contacted him on XXXX XXXX to ask the status of the loan. When he contacted me he stated he had made multiple attempts on getting an update, there was nothing left remaining on my file. He was to double check. 

On XXXX XXXX late in the afternoon I received a call stating that the underwriter had refused the loan because there was a kitchen on the lower level. This was the first time this issue had been raised. This is a fairly common configuration in houses in this area. 

Needless to say I am concerned about the money I have invested in the appraisal of this property and would like to address my dissatisfaction with the way this matter has been handled. If this loan does not go through I would like to be reimbursed for this expense. 
