Can I find credit unions here?

[Vitalii Lunko]

I have house free and clear. Finishing my remodeling this month and want to refinance with DSCR loan.

How to find a right credit union? 

[Jay Hurst]

Quote from @Vitalii Lunko:

I have house free and clear. Finishing my remodeling this month and want to refinance with DSCR loan.

How to find a right credit union? 

 @Vitalii Lunko   A few items to consider here:

1. why a DSCR loan? Why not a full doc or conventional loan which will have better rate/terms?

2. If you cannot qualify for a full doc/conventional, then DSCR would be the next best option, but why a credit union as they generally do not offer DSCR.

3. Also, how long have you owned the property? That will effect what you can actually borrower on the property due the "seasoning" of the property. If you have owned for less then 12 months  it will potentially limit your options on using the improved value. 

Most credit union LO's do not see enough deals to help your scenario even if they were to have the products you might need which they likely will not.