diff --git a/openapi3/loader.go b/openapi3/loader.go
index 9ed8e3076..637e1acf9 100644
--- a/openapi3/loader.go
+++ b/openapi3/loader.go
@@ -790,6 +790,10 @@ func (loader *Loader) resolveSchemaRef(doc *T, component *SchemaRef, documentPat
 func (loader *Loader) getResolvedRefPath(ref string, resolved *SchemaRef, cur, found *url.URL) string {
 	if referencedFilename := strings.Split(ref, "#")[0]; referencedFilename == "" {
 		if cur != nil {
+			if loader.rootDir != "" && strings.HasPrefix(cur.Path, loader.rootDir) {
+				return cur.Path[len(loader.rootDir)+1:]
+			}
+
 			return path.Base(cur.Path)
 		}
 		return ""
diff --git a/openapi3/loader_test.go b/openapi3/loader_test.go
index d492e2471..684e1b44d 100644
--- a/openapi3/loader_test.go
+++ b/openapi3/loader_test.go
@@ -263,6 +263,17 @@ func TestLoadWithReferenceInReference(t *testing.T) {
 	require.Equal(t, "string", doc.Paths["/api/test/ref/in/ref"].Post.RequestBody.Value.Content["application/json"].Schema.Value.Properties["definition_reference"].Value.Type)
 }
 
+func TestLoadWithReferenceInReferenceInProperty(t *testing.T) {
+	loader := NewLoader()
+	loader.IsExternalRefsAllowed = true
+	doc, err := loader.LoadFromFile("testdata/refInRefInProperty/openapi.yaml")
+	require.NoError(t, err)
+	require.NotNil(t, doc)
+	err = doc.Validate(loader.Context)
+	require.NoError(t, err)
+	require.Equal(t, "Problem details", doc.Paths["/api/test/ref/in/ref/in/property"].Post.Responses["401"].Value.Content["application/json"].Schema.Value.Properties["error"].Value.Title)
+}
+
 func TestLoadFileWithExternalSchemaRef(t *testing.T) {
 	loader := NewLoader()
 	loader.IsExternalRefsAllowed = true
diff --git a/openapi3/testdata/refInRefInProperty/common-data-objects/problem-details-0.0.1.schema.json b/openapi3/testdata/refInRefInProperty/common-data-objects/problem-details-0.0.1.schema.json
new file mode 100644
index 000000000..47547ab08
--- /dev/null
+++ b/openapi3/testdata/refInRefInProperty/common-data-objects/problem-details-0.0.1.schema.json
@@ -0,0 +1,93 @@
+{
+    "title": "Problem details",
+    "description": "Common data object for describing an error details",
+    "type": "object",
+    "additionalProperties": false,
+    "required": [
+        "type",
+        "title",
+        "status"
+    ],
+    "properties": {
+        "type": {
+            "type": "string",
+            "description": "Unique error code",
+            "minLength": 1,
+            "example": "unauthorized",
+            "x-docs-examples": [
+                "validation-error",
+                "unauthorized",
+                "forbidden",
+                "internal-server-error",
+                "wrong-basket",
+                "not-found"
+            ]
+        },
+        "title": {
+            "type": "string",
+            "description": "Human readable error message",
+            "minLength": 1,
+            "example": "Your request parameters didn't validate",
+            "x-docs-examples": [
+                "Your request parameters didn't validate",
+                "Requested resource is not available",
+                "Internal server error"
+            ]
+        },
+        "status": {
+            "type": "integer",
+            "description": "HTTP status code",
+            "maximum": 599,
+            "minimum": 100,
+            "example": 200,
+            "x-docs-examples": [
+                "200",
+                "201",
+                "400",
+                "503"
+            ]
+        },
+        "detail": {
+            "type": "string",
+            "description": "Human readable error description. Only for human",
+            "example": "Basket must have more then 1 item",
+            "x-docs-examples": [
+                "Basket must have more then 1 item"
+            ]
+        },
+        "invalid-params": {
+            "type": "array",
+            "description": "Param list with errors",
+            "items": {
+                "type": "object",
+                "additionalProperties": false,
+                "required": [
+                    "name",
+                    "reason"
+                ],
+                "properties": {
+                    "name": {
+                        "type": "string",
+                        "description": "field name",
+                        "minLength": 1,
+                        "example": "age",
+                        "x-docs-examples": [
+                            "age",
+                            "color"
+                        ]
+                    },
+                    "reason": {
+                        "type": "string",
+                        "description": "Field validation error text",
+                        "minLength": 1,
+                        "example": "must be a positive integer",
+                        "x-docs-examples": [
+                            "must be a positive integer",
+                            "must be 'green', 'red' or 'blue'"
+                        ]
+                    }
+                }
+            }
+        }
+    }
+}
diff --git a/openapi3/testdata/refInRefInProperty/components/errors.yaml b/openapi3/testdata/refInRefInProperty/components/errors.yaml
new file mode 100644
index 000000000..1dc8fa7e3
--- /dev/null
+++ b/openapi3/testdata/refInRefInProperty/components/errors.yaml
@@ -0,0 +1,66 @@
+components:
+  schemas:
+    Error:
+      type: object
+      description: Error info in problem-details-0.0.1 format
+      properties:
+        error:
+          $ref: "../common-data-objects/problem-details-0.0.1.schema.json"
+
+  responses:
+    400:
+      description: ""
+      content:
+        application/json:
+          schema:
+            $ref: "#/components/schemas/Error"
+          examples:
+            json:
+              $ref: "#/components/examples/BadRequest"
+    401:
+      description: ""
+      content:
+        application/json:
+          schema:
+            $ref: "#/components/schemas/Error"
+          examples:
+            json:
+              $ref: "#/components/examples/Unauthorized"
+    500:
+      description: ""
+      content:
+        application/json:
+          schema:
+            $ref: "#/components/schemas/Error"
+          examples:
+            json:
+              $ref: "#/components/examples/InternalServerError"
+
+  examples:
+    BadRequest:
+      summary: Wrong format
+      value:
+        error:
+          type: validation-error
+          title: Your request parameters didn't validate.
+          status: 400
+          invalid-params:
+            - name: age
+              reason: must be a positive integer
+            - name: color
+              reason: must be 'green', 'red' or 'blue'
+    Unauthorized:
+      summary: Not authenticated
+      value:
+        error:
+          type: unauthorized
+          title: The request has not been applied because it lacks valid authentication credentials
+            for the target resource.
+          status: 401
+    InternalServerError:
+      summary: Not handled internal server error
+      value:
+        error:
+          type: internal-server-error
+          title: Internal server error.
+          status: 500
diff --git a/openapi3/testdata/refInRefInProperty/openapi.yaml b/openapi3/testdata/refInRefInProperty/openapi.yaml
new file mode 100644
index 000000000..d44b21687
--- /dev/null
+++ b/openapi3/testdata/refInRefInProperty/openapi.yaml
@@ -0,0 +1,29 @@
+openapi: 3.0.3
+
+info:
+  title: "Reference in reference in property example"
+  version: "1.0.0"
+paths:
+  /api/test/ref/in/ref/in/property:
+    post:
+      requestBody:
+        content:
+          multipart/form-data:
+            schema:
+              type: object
+              properties:
+                file:
+                  type: array
+                  items:
+                    type: string
+                    format: binary
+        required: true
+      responses:
+        200:
+          description: "Files are saved successfully"
+        400:
+          $ref: "./components/errors.yaml#/components/responses/400"
+        401:
+          $ref: "./components/errors.yaml#/components/responses/401"
+        500:
+          $ref: "./components/errors.yaml#/components/responses/500"