So, they would refinance your current mortgage and then provide the 95% LTV HELOC.In my situation with the option they gave me it doesn't seem to be far off from my current mortgage, I'm currently with rocket mortgage w/ a 2.8% ARM and to refi with Lower (in order to get access to the HELOC) the new interest rate would be 4.1.

Make sure it explicitly explains the process for termination if you are unhappy with their services, especially if they violate the terms of your agreement.3.

Make sure it explicitly explains the process for termination if you are unhappy with their services, especially if they violate the terms of your agreement.3.

You never know who is watching this discussion and can provide extremely valuable feedback that a mentor or coach may provide for an arm and a leg!  

Make sure you are armed and dangerous.....

We ended up with a lender that specializes in tiny houses out in Utah, but they ripped my arm and leg off in terms of interest rate and down payment.

I was getting interest rates that were slightly over 7% for a fixed, and I recently learned about the 5/6 ARM through my local credit bureau who I had financed my car through many years back.

Purchasing a property from your LLC would I believe be considered a non arms length transaction and could affect how loan products work.

Most of what you suggested would be an arms length transaction and wouldn’t pass underwriting anyways and cost time and money to do the deed transfers and such! 

It may be possible to get a 30yr amortization, but I'm guessing you'll have to get a shorter term ARM.