This is in NJ.I spoke to someone from Andrews Credit Union who is offering 95% LTV HELOC but the banker is unsure if the underwriter will accept a duplex.

I am searching for a credit union that: 1-keeps their loans in house, no overlay on the number of loans2- Preferably no seasoning required 

I've gotten a few suits from the SF location in Union Square.

@Justin Frye If you're an investor that is looking to grow your portfolio I'd recommend calling the smallest 5-10 banks and/or credit unions in your market.The portfolio lending arena is much more flexible than the conventional space in my experience.

My credit union just told me 6% for 5 years - adjustable every 5 years. 

I am having trouble with someone who would do the deal with me, I have excellent credit, a good salary, just curious if anyone has a bank or credit union or work with. 

How valuable is shopping around and reaching out to small credit unions for multi-family out of state purchases?

Try Alliant or Aspire Credit Union .

Call local small banks and credit unions in your area.You can still use these loans on 1-4 unit properties.

A credit union (usually) that does not sell their loans up to Fannie and Freddie.