As a Banker I usually get my customers approved for their construction financing and then offer a builder who we already have approved in that State/County.

My name is Phil Mai and I am a Houston Realtor with Coldwell Bankers Realty. 

As a Banker my advice is to always have several conversations prior to and be very transparent with your Banker or Loan officer.You can use real estate to position yourself into a better or bigger home buts is like chess there are rules and you have to know in advance your next few moves. 

Whenever any banker sees my list of properties they often get overwhelmed, unless I'm looking for a commercial loan.

I was just talking to a banker who moved from Chicago to Knoxville yesterday, and he said it has become unaffordable and unlivable, in his words.

I would just be up front and ask the banker what they would want done.

Tim,My advice as a banker would be to do a cash out refinance and avoid carrying the Heloc.

I am looking for any tools or tips to get started, I have been in vehicles sales for over ten years and was a mortgage banker at Rocket Mortgage for 3 years before coming back to manage the dealership I started my career at.

If so, I would go to your local banker.

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