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Application denials. I did apply for Home refinance with equity loan and I provided everything all documents XXXX XXXX XXXX asks me too along with 30 days Pay stubs, XXXX form for XXXX years, Assets such as XXXX, stocks, all Bank accounts include with my husband information. I am assuming my application is approved because I signed and initial all documents, consent, etc. thru Sofi online account. The last document I attach missing paystubs, XXXX form, XXXX, Mortgage statement week ago and he needed the appraisals receipts which I am confuse because he did not tell me will be provide by Sofi company. I send him an email this Monday XX/XX/XXXX asking if I have to hire the appraisals person, and he replied that the Sofi company unable to use from other lenders. I made a schedule appo