Double check with a lender or credit union, maybe get prequalified to make sure you meet all the criteria.

We use Trans union smart move. 

BECU is great, but I started looking around at other credit unions in the area and have found them to be better, either offering lower interest rate or 100% LTV on a HELOC.  

Those are rates from my local credit union. 

I am not sure if I want to do this... we are in our early 60's live debt free...except for college for our youngest daughter...and I am wondering if a credit union would be are best option or other source.Thank youVictoria

And yes please message me some of these banks if you can,  my own credit union wouldn't do under 50kThanks for the detailed response buddy. 

I've heard banks, credit unions, mortgage brokers, mortgage banks?

Many local banks and credit unions won't do commercial loans.

I found a Credit Union that would do the deal for very little down payment, so I bought another townhome for 85k, which pays 468 a month + 70 in HOA. so 538 total.

I'm thinking of places like Union, Irvington, Plainfield, Woodbridge, etc.