Bank of America didn't approve us for refi!!!!

[Sean Cavanaugh]

Evening professionals

Need some answers! I purchaced a primary residence on 2004 at the high of bubble for 385,000 in RI. We put down 80,000 down payment and financed 305,000. 

2 yrs later we got a 2nd mortgage out around 20,000 for other bill and stuff.

Few yrs later we refinaced to a lower rate of 4.75 %. ONLY on the first cause we're at the bottom of the market now.

Now were back trying to refi again and was locked in at 3.75 which includes the 1st and 2nd mort. We have to go the VA route due to 95% LTV.

Currently we owe 285,000 and with around 10,000 in VA fees and other stuff. Total of 295,000

Since I've been married only my W2s showed over 100,000 per year my mortgage and refi has been off my pay only.

Well BAC ordered the inspection and went over the paperwork which shows my FT job over 10 year and my 2 part time jobs less than 2 years.

Now because my wife has only worked PT less than 2 years and no steady employment before that besides being a FT mom.

WE HAVE BEEN DENIED BASED ON HER WORK HISTORY! With both of our scores over 760.

This refi would of helped bring down my mort 2400 to 2000 a month.

ARE THEY DISCRIMINATING IN ANY WAY BESIDES race,relegion,color, etc.