I see you are in NC and if you have access(you can also join if a direct relative is a state employee) to the State Employee Credit Union I would recommend them for your first home purchase as they will do 100% financing for owner occupied and no PMI which is what I am assuming you are doing with this purchase as a house hack.

At the end of 2015/early 2016, Union Bank was running some specials, and I just happened to hit a weird dip back down in the interest rates.

Currently I am a union pipefitter apprentice in Rhode Island.

Is anyone willing to share recommendations for local hometown banks/credit unions, wholesalers, private lenders, contractors, and property managers?

My career in home improvement and repair began in 1973 while working for a home improvement company as a door to door canvasser, then I enrolled thru the UAW connected Trade Union Leadership Conferences into building trades training at Cass Tech, learning house wiring and framing.

They could Western Union it to you, Walmart-to-Walmart, go to your bank, etc.I once had a tenant ask me if I would come to Dundalk to talk with him in person about his late rent.

Let me tell you its like pulling teeth trying to get a rate and fee quote (yes I totally understand that rates change and it is dependent on a variety of asset factors) I did find one small credit union that gave me 5.25% 80 LTV 25 year amortization, 5 year ARM, and only 0.5 point fee - problem is they are restricted to certain states.

After many conversations and a little digging I've made it a must to start dealing with a local credit union.

Tammany Maryland: Somerset, Worchester Massachusetts: Barnstable, Bristol, Dukes, Nantucket, Plymouth Mississippi: George, Greene, Hancock, Harrison, Pearl River, Perry, Stone New Jersey: Atlantic, Cape May, Ocean New York: Nassau, Suffolk North Carolina: Beaufort, Camden, Chowan, Columbus, Craven, Currituck, Dare, Hyde, Jones, New Hanover, Onslow, Pamlico, Pasquotank, Pender, Perquimans, Tyrrell, Washington Rhode Island: Bristol, Kent, Newport, Washington South Carolina: Beaufort, Charleston, Georgetown, Horry Texas: Brazoria, Calhoun, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy Virginia: Accomack, Northampton Zone 2 (110 mph) Alabama: Autauga, Barbour, Bibb, Bullock, Butler, Chambers, Chilton, Choctaw, Coffee, Conecuh, Coosa, Covington, Crenshaw, Dale, Dallas, Elmore, Escambia, Macon, Montgomery, Perry, Pike, Russell, Sumter, Tallapoosa, Washington, Wilcox Connecticut: Fairfield, Hartford, Litchfield, New Haven, Tolland, Windham Delaware: Kent, Sussex Florida: Alachua, Baker, Bradford, Clay, Columbia, De Soto, Gadsden, Gilchrist, Glades, Hamilton, Hardee, Highlands, Jefferson, Lafayette, Lake, Leon, Madison, Marion, Orange, Osceola, Putnam, Polk, Seminole, Sumter, Suwannee, Union Georgia: Appling, Atkinson, Bacon, Baker, Baldwin, Ben Hill, Berrien, Bibb, Bleckley, Brantley, Brooks, Bulloch, Burke, Calhoun, Charlton, Chattahoochee, Clay, Clinch, Coffee, Colquitt, Columbia, Cook, Crawford, Crisp, Decatur, Dodge, Dooly, Dougherty, Early, Echols, Effingham, Emanuel, Evans, Glascock, Grady, Hancock, Harris, Houston, Irwin, Jeff Davis, Jefferson, Jenkins, Johnson, Jones, Lamar, Lanier, Laurens, Lee, Long, Lowndes, Macon, Marion, McDuffie, Meriwether, Miller, Mitchell, Monroe, Montgomery, Muscogee, Peach, Pierce, Pike, Pulaski, Quitman, Randolph, Richmond, Schley, Screven, Seminole, Stewart, Sumter, Talbot, Tattnall, Taylor, Telfair, Terrell, Thomas, Tift, Toombs, Treutlen, Troup, Turner, Twiggs, Upson, Ware, Warren, Washington, Wayne, Webster, Wheeler, Wilcox, Wilkinson, WorthHawaii: the entire stateLouisiana: Parishes of Acadia, Allen, Ascension, Avoyelles, Beauregard, Calcasieu, Catahoula, Concordia, East Baton Rouge, East Feliciana, Evangeline, Iberville, Jefferson Davis, Jefferson, Livingston, Pointe Coupee, Rapides, St.

I went to my financial advisor at my credit union and she looked at me like I was crazy when I asked about portfolio lending as if I'd just made it up so I'll definitely look into alternative financing.