That one is in Union Beach.

I've had some good experiences with the IAB financial  and three rivers federal credit union.

Turn key: I only know of home union. 

I wouldn't call them investor friendly but the only lender I know of that would do a HELOC for more than 80% of the value is Mountain America Credit Union will do a 90% loan to value.

I talked to a local credit union and they said that they only offer recourse loans.  

I'm going into the Utility Lineman union for PGE to save my first 30,000 and invest it, into what is hopefully, a successful house flipping this summer.

@Chris Masons Thank you for your welcome.I see you're based out of Union, I actually lived the first few years of my life in Union.Sounds like you've seen and done a lot in the multifamily space.

Its one of the stipulations that the credit union gave for the FHA loan I'm quoted for.

5) when looking for a mortgage is it best to go through a mortgage broker or individually through credit unions and other lenders?

Either return the check or bid on the job and use the $1,000 and deposit for he work to be rendered.If that still doesn't work, you can go to state board and electrician's union or lobby to fight.