This is from the state licensing division:1 This is the number of complaints against this contractor that were closed without corrective work being performed because the contractor was denied access by the complainant.

Considering something like 50% of ITIN applications are denied each year, it's advisable to enlist a professional to help.Also, if you are outside of the US, have you considered that you have to mail in original source documents, not copies. 

@Denis David your numbers are very wrong.

Trevor.. you deny this?

Seems like they don't want to be responsible if, for example, you go under the impression that they said "you can subdivide" and then you get a property under contract, hire and pay an engineer, and submit your application only to have the subdivision denied. 

I received a phone call today saying that the heloc i am requesting from our primary residence was denied because of our high dti.

Lender finds out as we approach closing, denies the loan. 

But saying "gee willickers mr consumer you sure are right the rules are dumb but what can you do, this darned technicality" (snaps fingers) is, in some eyes, "good customer service" (especially since the person saying that knows you can't fix it in a week or a day, if you could then they'd have a reason to actually be accurate, as it stands there's zero incentive to be accurate, they're just trying to push you along so they can work on the next loan number, since yours is about to be denied [they are paid in part by the hour, but also in part on production of approved/closed loans]).Here's what's actually jamming you up.

If something were to happen and you needed to make a claim they could deny the claim.

There is no need to deny something that is happening.