I would say first to wait our your pre-payment penalties if applicable. 

check with a local attorney there are rules for filing liens of course anyone can file them but that does not mean they were filed legally.. in most states you have to give a PRE lien notice in writing and by certified mail.. you have time limits to file it.. so if they try to cloud your title they are taking a risk of slander of title. not that they have any money to pay if they lose but you can fire back with that if you need to.

Their site looks nice and pretty transparent, although the FAQ about pre-payment penalty is a bit vague. 

The best company to incorporate is PayRange.

This is more for future financial planning, but it will incorporate REI for the meantime.

I took out my HELOC with PenFed in pre-COVID.

Ike - I'm with Doug on this one.Credit Unions / Local / Regionals are great if you have a pre-existing relationships.

Working with a hand saw is a lot safer..I am financing 3 larger deals at 7.45% now with a 20 year amortization and a 3,2,1 pre-payment penalty, which is important, because we are going to pay down the principal a little faster and probably will refinance in a couple of years, depending on what rates we see.You have to look at interest rates in the context of inflation, rents and home price appreciation.

I make secured and unsecured loans Loan amount: $2,000.00 – $20,000,000.00 Loan duration: 6 months – 30 years INTEREST RATE: 5.95% ANNUALLY Loan purpose: ALL Loan Type: ALL LTV: 85-95% NO PRE-PAYMENT PENALTY, FAST AND RELIABLE FINANCING.

We just got the pre-approval letter from an institution and out of the blue we are getting so many offers - Incredible!