I have been trying to get a refi with BOA (my current lender) since Dec. I have never been late in 9 years, have excellent credit, high income and about 200, 000 in equity. I have been asked for pay stubs, 401k statements, a copy of my social security card. Also, signed a paper to allow the Dept. of S.S to verify my number ( how long will that take). I too have been asked repeatedly to send in paperwork and letters to explain discrepancys on my credit report ...old addresses and places of employment. I feel they are just asking for more and... read full review »