Thank you everyone. I have used this bank For my accounts and loans on four homes. It was the fourth home that I was trying to refinance. I provided them three years of the most recent tax returns, 1099‘s for the last two years, three years of revenue detail in alphabetical order, a master well list And my ist of properties where I own mineral interests. I provided letters from each company that responded stating that I owned mineral interest with the DOI, Division orders and they well list Provided by the oil company. I really did not think they would reject my application based on the 3+ year guarantee but that is what happened. Apparently they don’t want royalty owners income. This is the same bank that 3 prior mortgages were granted. My credit rating has always been quite good. I’m not even going to pursue with other mortgage companies. This one wanted to charge $8000 in closing cost. I’ll just pay down the principal. Thanks everyone.
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