I don't follow your last comment about showing someone a report, but I would encourage you again to call Catherine and work through that part.
The unfortunate part of your answer is that the bank is the last source you should get advice from in terms of how you should achieve a refinance or pre-approval in your situation. I've heard similar stories from several clients where the bank made a verbal promise/suggestion and then completely ignored it.
Again, call Catherine if you want to better your understanding of things and have a chance to get your loan done.
Can you call me so that we can discuss your scenario. My cell phone is 202 573-6035.
I handle post-bankruptcy mortgage cases and may be able to help you!