I am 60 and retired. I tried to refi and was turned down. The reason the credit union gave was the Fannie and/or Freddie refused because we use part of the property for farming. That use is we rent 20 acres to farmer for $1200 a year. This is a farming area. I have no debt other than the mortgage and from all the charts I'm well in income to debt ratio for the mortgage. Is there a way to find out if this is the reason? What would the justification be if true?