Went in to get a loan for home improvement. Was told we could refinance for a 2.6% interest and have our loan rolled into it. Filled out paper work. Loan officer was very impressed with our credit history, said everything should go easily. One day before closing on the refi, we were told our appraisal didn't come in. Reset closing. The day before the next closing date were told we couldn't close because appraisal came in too low. Then all of a sudden my husband's pay with his traveling job wasn't good enough because they couldn't use his mileage income. Would have been nice to know this at the beginning instead of stringing us along for four months!!! Will NEVER do business with this bank again.

My loan was denied because the property I was purchasing was not considered a residential property by appraisers.At no point during my application was I personally notified that there is even a possibility that this can happen.

The decision of taking a residential or commercial loan from what I was told was simply which one made more financial sense not whether the loan can be denied or accepted. 2 months after the application was submitted the appraiser denied the request and the loan was denied.

The bottom line from my perspective is that I am getting burned(changing flights, reservations, losing money due to fees paid to Sunflower and etc) for what I see as a mistake(there were others but not worth mentioning) made by them and that's fine, everyone screws up but just on a personal level, all I was looking for is for anyone at Sunflower to take some responsibility for this result. Instead what I got was no responsibility taken on their part(I spoke to everyone including their branch president Dan Malone) for anything(they said that Paula the loan officer did everything as she should have), accusations about me changing the story and lying and generally horrible attitude.

Disgusting attitude and a horrible experience.Stay away!