The Contract

I tried to take out a home loan with sa home loan and wanted to build on to the property i have, i got denied a loan because the house was not finished building, but i qualify for a loan amount i was asking but im denied of it, my wife and i tried the home access loan route, got helped by Thembelani(Consultant) that only operates on mails with vague text and don't even take the time to call and explain what is happening or what's the next step, the worst consultant ive ever worked with. keep sending our contract documents back as it is incomplete and we did send the documents completed, he doesnt even send us what is wrong or call us to abbreviate the problem he is having. we must smell what is wrong.