Frequently you are talking directly with the underwriting agent with greater flexibility when working with small business.  

Main critiria is;250k-400k3/2- but flexible hear as wellNo HOAAny recommendations would be greatly appreciated!!

@Josiah SantillanaI just noticed you mentioned living in the home for 1-2 years, so being a primary purchase you have a ton of flexibility on downpayment.

Which is why you hear @Whitney Hutten projecting 30 years but remaining flexible to pivot to a different strategy when the market dictates it.  

This is a normal rate/term refi through Fannie/Freddie so Im sure there wont be as much flexibility on the appraisal part.

So in the end it's like a hard money lender, but with a more flexible term.

I like the flexibility of shopping at both locations for increased material selections too!

Stay flexible.

are great.Credit unions regulated a bit different and often can be more flexible on terms.I can refer you to AR Federal credit union in Little Rock, I just did a refinance with them, and Bancorp south, also Centennial is good value.

Being an investor, agent and in construction management, I don't solely work on RE sales giving me the option to be flexible on the fee/ comp structure.