Mortgage — BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

None. My daughter and I -- as joint owners of a condominium at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX , loan # XXXX -- applied for refinancing of the condominium with Bank of America in late XXXX XXXX XXXX . We applied with loan office XXXX XXXX , XXXX ID XXXX , ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , Ca XXXX . Bank of America led us to believe that our property was eligible for refinancing by them, and that approval by them depended solely on our ability to qualify for a loan through income, acceptable credit scores, and property value. After we had paid {$470.00} ( by cre dit card on XX/XX/XXXX ) for them to obtain our credit scores and an appraisal of the condominium by an appraiser obta ined by the