Most commercial lenders want a 680 credit score,  or they won't talk to a borrower.      

@Robin Simon I completed a refinance with my credit union at terms of 3/30/75 @6.85% I will have the renwal in 2026 and hoping rates come down a little by then.

Great credit.

It sounds like the person above either wasn't ready, didn't put in the work needed, or is just another internet troll out to bash someone for no good reason.IM me if you have further questions about Matt Scott and I am more than happy to go over the good, the bad, and the ugly! 

Find Brandon Turner anywhere on the internet for information on it.  

It will auto download bank and credit card transactions, give you reports by account, category or property in any form you want. 

All of this is just from marketing and tutorials I have seen on the internet though.

WE dont pay a fee for the credit line as I mentioned just 1/2 point for each new loan..

They will have better knowledge of what you need and how to do it then just finding one on the internet. 

I prefer to have the least amount of banks as possible.Create a bank account that you already have a relationship with(Credit card or mortgage)The least amount of bank accounts is also ideal.