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Home Federal bank - Kim Hefner

My Mortgage is with Home Federal bank in Sioux Falls, SD. I tried to refinance with Kim Hefner which seemed very helpful and friendly at first, but after I submitted my entire doc she stopped responding to my emails and phone messages. She used to get back to me in seconds at the beginning of the process but after I submitted all info except my blood type she shuts me. This lady is so old; I thought she was dead before closing. Finally I decided to contact her boss by email after a month. Not sure what he said to her, she emailed me and CC'd him saying "I already send you a letter... sorry debt to ratio will not work..." This is a very low customer service, to be friendly until they check our credit score. Even people that don't fall in the bank "debt ratio" need respect - I think.
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