C2 Financial Corp

I was so hopeful to have my home refinanced when Donecia Augustus contacted my husband from C2 Financial Corp. I started the loan process on April 10, 2013. I finally received an email NOT a phone call from Donecia to let us know our loan was denied on September 5, 2013. After submitting all the paper work and me following up with her 90% of the time for over 5 months, Donicia sends me this one sentence email explanation «Based on the explanation from your husband’s employer of his income; you all do not qualify for either of the two loans to get refinanced. I am available if you have any questions.» Wow, what personal service I have received from my broker.
I can certainly understand the lender’s requirement to approve a loan. However, all the documentations, tax information and paystubs were provided. If verification of employment was part of an approval process then it should have been completed before Donicia assured me on 7/​15, 7/​29, ⁸⁄₈ and ⁸⁄₉ that I was approved. She led me to believe I was approved all the way until the end. I trusted her expertise and spent $ 400 on a nonrefundable appraisal fee that could have avoided had she and her lender had basic knowledge that my husband needed two years of income in his new sales position in order to qualify.
I did request a refund from Donecia and this is her response «I cannot refund a charge I did not make nor receive. My suggestion dispute the charge with your credit card company.» I’m not surprise by her brief and blunt response.