Unique Refinance Situation, Need Help

[Natasha Hicks]

I've been listening to podcasts and looking at the site for a while and this question has prompted me to make an account. Thank you in advance for any advice and help, especially from lenders. 

What lenders will do a cash out refinance with a name on title for less than 6 months? It is complicated, I've owned and been living in the home for 5 years but only recently titled it into my name. The situation is explained below but wanted to get the question out. 

I live in Utah. I've been living and paying the mortgage on a house that was owned by an estate [It's complicated]. I recently approached the executors and received their blessing to put it in my name with the understanding that we maintain all equity but need to handle the loan. Done, that was the plan anyway. I've been working on my credit for the last year in preparation for this. I went to a large, reputable mortgage company on referral. I spoke with the agent and explained that the title and the loan were both in the estate and not my name and that I needed to change title in this process. It's been 2 months and I was refused by Fannie Mae based on the fact that I've not owned the house for at least 6 months. I knew as much and I inquired about that with the mortgage company [I didn't know which lender they were using].

Anyway after 2 months I have no loan. I've done the appraisal, adjusted title [at mortgage company's requirement], and even sold assets to meet their debt to income on a credit card. This boosted my credit but at a pricey expense. Their underwriting refused it because of the recent title change [That they required]! I even provided receipts for an entire year of on time mortgage payments. All of the situation was disclosed and they said it was no problem, apparently it is. 

Our lending agent simply dismisses his negligence because "I didn't understand Fannie Mae's guidelines." Now my refinance is dead?

Yes, I'm already reaching out to higher ups in their company and am being referred to their regional guy now. But I need options because they aren't very responsive to the situation they've caused. 

So my question remains... is this situation something a lender can handle or am I screwed for 6 months?

Best Regards,

Natasha