Alternative from bigger banks financing orlando,fl

[Logan Larochelle]

ok I have a few questions, I already have a home loan at $40,000 this is my primary residence, I have had it for a little over a year now and I went through Wells Fargo, now I'm looking for my second home loan, in which I plan to switch my primary residence to this new property. should I look for a alternative bank than Wells Fargo(Wells Fargo already pre approved me for $60k for a 2nd loan, but my loan office stated it has to be move in ready for some odd reason)? If I go with a smaller local bank would it be easier for me to get financed? Any suggestions

My info

Credit score 775

Income $28k

Savings $15k

Going through conventional loan 5% down, or if it looks better I can put more

Any help would be great I'm in the apopka (Orlando),fl area any great small banks in the area?