I was recommended Security Service Federal Union.

In your position, I would go in to a small community bank or credit union.  

However, always have a flexible approach – sometimes a great property comes up that’s worth pursuing even if your financing isn't fully in place yet.LendersFor multi-family housing owned by out-of-state investors, I recommend looking into regional banks or credit unions in the Midwest market you’re targeting, as they often have more tailored loan products.

Check out Tennessee Valley Federal Credit Union in Chattanooga for a HELOC.

If I were you I would make a list of what you’re looking for and start calling the local banks/credit unions.

Many local banks and credit unions will do a second up to 89.99% loan to value.

Has anybody used, or have any experience with Credit Union Mortgage Association for financing real estate deals? 

My local credit union won't do it either, they also won't do a business LOC because the business is only 1.5 years old.

Go to your local bank/credit union and ask them for the same.

We are using credit unions with a 25 yr am, 2 yrs I/O.Most community banks will also go to 2 yr ams.