help!!!!countrywide refi problem

[brian1963]

Hi
i have a question that I have not been able to find an answer on.

In dec i started to try to refi my loan which is a subprime thru countrywide I was in the end of a divorce waiting for the divorce decree showing i got the house

so countrywide holds off on it and waits until end of january

Now last weds I get a call from the account exec who i talked to in the first place saying we got approved when do i want to close I need to have 3600 at closing so i say no problem i have it in the bank so he sets it up to close on friday
I tell him email me the amount which he does and i recieve a email from the person who must do all the paperwork for him saying she needed a copy of my bank statement before she can schdule the closing
So i email it all to here and move the money to checking so it all ready to get my certifed check on friday

So thursday afternoon she calls says that it is denied do to to many lates now i have never been listed as 30 day late ever on my credit report and latest i have paid has been 25 days but countrywide in my payment history shows 2 that posted on the 2nd of the next month but my credit reports show them as all green paid on time

So i contact a mortgage broker who runs the stuff and says it all looks fine to her but she needs my fha case number which countrywide has to release

My questions are these

1 is it possible for me to get refi thru the mortgage broker into an fha loan still or did countrywide wreck that happening

2 is it possible because it was right after the newest houseing package obama signed that countrywide changed it figureing stick me in that and they will make itself more money?

3 if i am screwed on the fha loan what is the waiting period before I can actually apply for another one it was my understanding that 2 30 day lates were eceptable but it seems strange that my credit report shows 18 months of perfect paid on time and still denied it?

I hope someone can help me i looked everywhere for answers to this and still am upset that they would approve it and send me emails saying what i needed and when to schdule closing to yank it right out with nothing changed between that day and the day after

thanks

Brian