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Fannie Mae audit?

Has anyone had their mortgage loan audited by Fannie Mae? If so and they found a discrepancy that they are requiring you to refi again what did you do to fight this? Long story short we refied our home from me to my wife who has the better credit to get a better rate. Right before closing she took out a loan for me to pay off the lease of my car. We didn’t think it would be a big deal but apparently Fannie Mae is saying she didn’t disclose this car loan before closing so she shouldn’t have qualified for the refi loan. Mind you we’ve had this home loan for almost a year and haven’t missed a payment so it’s all so strange to have this dropped on our heads out of nowhere. Was wondering if anyone else has gone through something like this and what did you do/ not do? TIA!

submitted by /u/bad_bulk
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source https://www.reddit.com/r/RealEstate/comments/qj5btr/fannie_mae_audit/
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