Ie...TD Bank, BOA, WellsFargo, etc...or is it better to deal w/ the smaller FCU's and regionals...Reading on here it seems to be pretty common...

The bank (BoA) moved the entire 13k on the price.

Feb. 2017 - one of the county in Metro Atlanta listed a 2 YEARS unpaid tax  property  belongs to BoA -Yes, Bank of America.

It's a tough situation with the changing world of therapy animals as well (therapy Boa constrictor, perhaps?).

BOA does not always have this language in their approval letters.

That is the view of BO as well!

I've ran into walls dealing with BOA in attempting to purchase a specific property note.

Appraisers many times shot very low allowing banks like BOA to charge high interest on what shouldn't have been a 100% ltv HELOC.

But human nature being what it is, people are hard to change their processes, but if necessary, remind Chase, Wells Fargo, BoA and the others how well their metrics protected them in 2008 - 2011.

Check out https://www.bankofamerica.com/home-loans/mortgage/budgeting-for-home/buying-mortgage-points-lower-rate.goThe banks want your points because they know the true meaning of the phrase "a dollar today is worth more than a dollar tomorrow"Using the BoA example:They use the concept of "break-even" from a "the bank wins perspective"If you can make 10% on your money by investing in real estate.The $2000 you saved $9000 over 30 years... turns into $39,674.80 over the same 30 years at 10% compounded interest.The $4000 that saved you $12,444 shows up in 30 years as $79,349.60.At even rates the first point in the above example is a good buy