Problem with a company's investigation into an existing problem: Mortgage

Regions Bank I applied for a home improvement loan for $40000.00 on a house valued at around $420000.00. They changed it to a $33000.00 personal loan but still calling it a home improvement loan. I have been in limbo for weeks. My wife and I are ill and I can not get help with this. The loan underwriters ( Ive has several in this fiasco ) have asked for the same documentation 2 and 3 times in some cases usually on a Friday when no one is at the bank. My credit rating has dropped over 40 points so I can not get a loan elsewhere. They made sure I couldnt get anything else. They essentially have forced me to take a loan I did not want. I was going to pay off everything, a total of about $7000.00 and use the rest to move then pay the loan of in a few months. They heard this and then they did this to us. I have no choice but to take the money because most everything is late or due. We were trying to fix the house to sell. Now we can not.