While large banking institutions such as B of A are convenient (many locations), they offer very little in the way of creative financing options for investors and you are just another number to them.Try credit unions.

Most credit unions have a free notary on site.

But I have no animosity toward stupid people.There is a paradigm shift occurring and smart Realtors will prosper.As for the NAR, they might want to watch the unfolding plight of the UAW and other once-monopolistic unions.

I like credit unions.

Try going to Wachovia or BankUnited direct (they do not work with mortgage brokers anymore) OR here's a site to find credit unions in your area creditunionaccess.com

Getting investor loans done with conventional lenders is tough and will get tougher.Local indy banks as you say are a great alternative. they are called portfolio lenders and they can help because they do not sell their loans to Freddie and Fannie.These small banks and credit unions don't work with brokers so brokers are not your best bet here.If you go to my blog (in my sig) there's a link there to my Portfolio Loan Blueprint that will help.

I agree Jordan.Hopefully the labor unions won't run all their companies into the ground either.I think people will slowly realize the crap they buy from overseas will never stand up to it's US made counterpart.

I had a good time watching the interactions between the barge crews (mainly southern rednecks like myself), and the union workers that had to be included to get the contracts approved.

Like Dan was saying, private money, portfolio lenders, small banks, and credit unions are good places to go for financing.

Folks he is not licensed IN THE UNION!