So i was able to do a refinance for free since i was already a current customer with them.

But I’m just looking for a standard default one I will customize as to deal as needed.

I do very well with my customers and its rare for me not to have relationships that last decades with them.  

I've heard a lot of banks are not offering HELOCs to customers at the moment given the economic turmoil caused by Covid.

Only solution I came to, was to quit pursuing baseball and help him get his life back on track and start mine outside of sports. 2018-We are doing 4-5 remodel jobs a month as sub contractors for Home Depot, Two custom home projects and finishing a flip my father started in 2017.

I was once told by a great customer of mine, "You need to be as honest with your banker as you are with your lawyer."

Custom granite countertops with soft-close cabinets in the kitchen.

There are no rules here or even set expectations based on custom or practice. 

If you are starting a business, I highly recommend Podio for your CRM (customer relationship management).

When wholesalers take customer service seriously, they get a lot of repeat business (faster money for less work).