Several factors indicate the company is not that concerned about efficiency or ease of customer process: the website, a process that seemed to focus on one issue at a time instead of all issues at once, and consistently poor communications and lack of common sense from the loan analyst we were assigned.It started off very well with the initial point of contact, Austin Lornson, who did a fine job of explaining the general refinancing process, responding quickly and thoroughly to our questions.

If you want immediate answers and help on a certain subject or area, multiple experienced members and leadership team members will be pretty quick about answering questions or connecting you with the right person through slack. 

TIAMichigan is fairly easy on Michigan Lara website it’s $50 to open a new LLC and they’re fairly quick with their turnaround.

If I can make a suggestion...Yes with 3 points you might be able to get into the 6's - but let me give a quick example:Let's say loan amount is $250k and making some other assumptions, paying 3 points down would cost $7,500 however that might only save $195/mo. 

This would make me pause and not be so quick to sell it. 

Find a rich old guy who has made a crap load of money in real estate.  

Are you leaning toward a quick sale so you can focus on Oregon, or do you see potential in holding onto this Florida home as a cash flow play?

I wish I could give you a quick and easy answer but that is just not how my brain works lol!!!!

I emphasized the quick closing timeline and my ability to pay cash via hard money financing to strengthen my offer.

Know that every long term lender will require a survey and if something comes up on it when you are trying to sell or refi, you could get stuck in hard money without an easy or quick way to get out.Is there a pre-payment penalty?