The final straw today. So fed up with the crap that Ditech have given me. I called them today and asked them exactly what they needed from me in order to process this loan. They advised that I needed to build a new chainlink fence around the pool, or cover the pool with a pool cover. The pool already has a perfectly acceptable steel pool fence.

I told them it wouldn't be possible for me to build a 'Chainlink' fence, which firstly is not up to code in the City of Mesa and provides my kid with a perfectly good climbing frame to access the pool area.

So they declined the loan.

Insane - Can't say I'd reccomend Ditech if you are thinking about refinancing your home.