RBFCU Turned REFI request down due to NO central HVAC

[Juan Ayala]

RBFCU after dragging my process with them just notified me after the appraisal that they do not lend on properties in Texas with no central HVAC? Anyone had similar situation or does this sound right? I complained to them that for something so standard such as this they should do a better job pre qualifying applicants and asking the question in order to avoid consumers from paying $500 in appraisal fees just to then get turned down. Having a difficult time refi my property worth $70k and i only owe $36k on it and dont want to cash out. Any suggestions BP fam?