I have been trying to get a refi with BOA (my current lender) since Dec. I have never been late in 9 years, have excellent credit, high income and about 200, 000 in equity. I have been asked for pay stubs, 401k statements, a copy of my social security card. Also, signed a paper to allow the Dept. of S.S to verify my number ( how long will that take). I too have been asked repeatedly to send in paperwork and letters to explain discrepancys on my credit report ...old addresses and places of employment. I feel they are just asking for more and repeated info to stall. Yes, I too am starting to think this is a scam. To get people exhausted to give up their low interest rate offers and/or get them to walk and keep the $400.00 or so they are holding. I also have been asked a question regarding my heloc and this loan repeatedly.This let's me know this loan is still in the early stages if by know she is not even sure what type of loan I am getting!!! I would like to know has anyone else been asked to give copies of their S.S card, I was under the impression this was not to be used for identification purposes. Anyone who can offer help please do so!!! BOA is obviously giving it's own customers the run around. If you are not currently using BOA I would recommend staying away!! This is absolutely exhausting and frustratingly bad customer service.