credit union in houston texas for a loan on 4plex (Primary)

[Arjun Epu]

Fellow realtors,

Can you provide recommendations on credit unions that would provide the best interest rate with the lowest downpayment, no PMI, and zero points for excellent credit history (Above 780) to buy a fourplex (it's more like four townhomes connected together) in Houston Texas? One unit will be occupied by the owner and the other three units already have tenants in place. It's a 4-year-old property in excellent condition and no repairs are needed.

[Sean Ross]

You might need to do 11% down , pay the PMI up front or roll into the loan ( wont be a lot at that credit score) , fix interest at the par rate and hope to refinance in a few years.

Seth 5 star Texas advantage will pay the other 4% to get to 15% LTV

I can do this for you if you'd like. Not local but licensed in the state.