If I could give less than 1 star I would. I was to...

If I could give less than 1 star I would. I was told my HELOC would be done in less than 3 weeks last month and after get an approval, having my credit ran, appraisal, and submission of documents. All of a sudden I was told my debt to income ratio was too high. But it wasn't a problem during the application process if I paid some bills off. And I was never told what my DTI had to be after closing. Then I was told I had to take out a home equity loan if I wanted to move forward which i didn't want. I emailed Talia Ray Reed the loan officer 3 weeks ago and have not been told a thing. She hasn't returned my calls or answered any emails. How someone with a credit score of over 760, $200K of equity, and cash reserves can't get a heloc is beyond me. I will be taking my business else where.