They offered to give me a credit on a future loan.

@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.

I'm curious why I did not receive it, as I paid in full, and it is already on my credit card!

Quote from @Matthew Beninate: Quote from @Sarita Scherpereel: Quote from @Seo Hui Han: You may want to consider local banks / credit unions just because many of them will require or give you more favorable terms for things like HELOC's and other line of credit products if you have a deposit account with them. 

There are loan programs that will do a 20% down payment with a 680 or above credit score. 

So you can scale that if you want.FHA is for people with poor credit and very little down payment.

With the exception of building a trailer on the property (these are hard to finance), this sounds like a good plan AND if you are using it for your business AND your business pays more than 50% of the rent (if you have more than 1 tenant), then this is a more financeable property in the eyes of banks and credit unions as it would be consider a commercial "owner-occupied" property. 

Improve your credit and financials so lenders are willing to take a chance on you.

Plus, if you aren't able to get approved with what you've got now in terms of savings, credit, etc. you can learn on what you need to qualify so you know what to be working towards. 

Most local banks and credit unions will have free accounts.You need two accounts: checking and savings.