refinance

i recently attempted a refi, consolidation with some cash out for home repairs. i had just come off a bankruptcy from 2003 2years discharged and off my credit report. i contacted a prominent lender and the approved me for a 4.50% fha which was great because i was at a 10.75% . i was told i needed to do the repairs on the home before the loan could be closed. i tapped my savings and spent $6000.00 on a new roof, and capping my windows as the appraiser had requested. i was told that was all we needed to do and we could close. my loan officer called me and told me they found a lien on my property from a long time ago, that it was marked paid and closed on my credit report, probably nothing to worry about sometimes they just don’t get removed. i called the finance company and they said i owed the money and the lien has to be paid off before i could do anything. i called my lender and they told me no problem they could finance it through the loan; it would just mean less cash out money. i checked my bankruptcy paperwork because i was under the impression that i paid this debt was paid through my bankruptcy, it was a home equity loan. i found out i did make payments to them, but only what was in arrears. i never heard from this finance company again until this came up and i called them. i called them back and got a 50% settlement amount and gave it to my loan officer, he said good job, and we will take care of it. the repairs were done, and i was ready to close when my loan officer called me and told me the underwriter said they considered this a delinquent debt, even though i did not know it existed. they reneged and i’m out my savings and still paying 10.75% interest. i really need some advise on what to do. if i had known about the lien i would have paid that and figured a way around the home repairs. now i am stuck.
jeanette