They did an awesome job submitting my applications, explaining the follow up that needed to be done by me and extending my term as the first submissions of credit applications where denied (I had just sold my place and didn't know that you had to have 2 years at your current place or I could have used old address and just forward it).Any questions I had were always answered, I learned so much about how to obtain credit even AFTER you are denied! 

I never try to tell them they should or should not apply.When denying an application, I don't give a specific reason unless required by law. 

He was honest with me and said he'd hate to see me go through the process only to get to underwriting part and have the lender deny me because of this.We then looked at options to refinance as an investment property but the rates were too high and overall not worth me refinancing (I currently have a 3.5% rate on a 15 yr fixed mortgage with 12 years left, and about 100k in equity on the property).So my question is, what are my options here?

This location is PRIME & safe, it's a 10min walk to downtown Durham, a 1min walk to their Physician's Assistant School, across from a beautiful park, on the same street as a bus stop which helps students/guests without cars, has a HUGE backyard, it's the most expensive zipcode in Durham, the surrounding homes are all well maintained, it's a historic neighborhood, there are townhomes being built a block down starting at $650k and more being built two blocks away starting at $800k.

That said we also cannot deny simply because someone is a Felon!

If your cash to close is $22k and this $50k is all you have, your loan will be denied due to "insufficient funds to close." 

Warranty companiesThey offer a certain convenience but They can be a headacheThey can have terrible customer service/communicationThey can hire cheap helpAnd they will deny certain claims or just do temporary fixesSo why do people have them?

Drug abuse?

I always deny, and somehow, the buyer always seems to pull it together in time.

They denied it and accepted three other offers before finally accepting mine.