Local Bank or Credit Union for Florida Vacation/Second Home Loan?

[Mike Williams]

Looking for local bank or credit union recommendations with favorable rates and low fees for a 4/3 SFH vacation/second home in Florida that will also be used as a short-term-rental (STR). Loan amount approximately $600k, after 20% down. 800 credit score. Have been referred to a few brokers who are 2.5%+ in fees, 30-year fixed is only option provided (no ARMs).

Anyone have any recent lender recommendations to reduce fees?  Guidance to obtain most favorable rates? 

One of my friends was recently offer a free re-finance within 3 years from a local bank, they do not lend in Florida.