We applied to refinance our condo, and paid for a credit report, and then provided all documentation requested.

Box ordered the appraisal before reviewing the condo HOA certification, which disqualified our loan. It was of no fault of ours. While I understand it was also not a Box issue what the condo HOA provided, my issue is the order in which things were completed. I was approved before they EVER reviewed what the HOA sent.

We were two days from closing, and they looked at it and said "oops". We wasted both your time and your money. Our bad. Cost me $505 for nothing!

The process should ALWAYS be to order the appraisal only after everything has been reviewed and approved.

FAILED business model. And a $500 learning experience for me.

They suck.