Global like around the world OR nationwide in America...? 

Then at the opposite side of the spectrum, there are also lenders who probably overcharge for things, whether it’s because of a large marketing budget to run all the commercials and ads in your face 24/7 or because they’re a large nationwide lender with actual bank branches and have more overhead to pay for to be physically present in such markets.

The reason my outstanding debt is 1.4 MM.  

We already house Nationwide (both the insurance company and Children's Hospital) who are spending in path of progress areas and are getting permission to purchase more and more in up and coming areas.

Major market contributors are igniting this market (home of The Ohio State University (and medical center), Nationwide, Big Lots, L Brands, Cardinal Health).

The market is on fire right now and we’re seeing major brands flooding our market (Google, Facebook) and other major national brands are already headquartered here (Nationwide, Cardinal Health, Big Lots, L Brands, Ohio State, and more).

The repayment terms for a 401k participant loan are equal monthly/quarterly payments of principal and interest (typically prime plus 1%) over a 5 year term (longer if used to acquire your principal residence).Please note that if you take a full $50,000 and then pay back the loan, you can't take another $50,000 until 12 months after the first loan was fully paid back.Per the loan offset rules that went into effect with the 2018 Tax and Job Act: if you leave your job and the loan is current at the time you leave your job but then the loan goes into default because you left your job, you will have until your tax return deadline (including any timely filed extension) to make the loan current by depositing the outstanding balance into an IRA (and thereby avoid the taxes and penalties that would otherwise apply).

The current management has continued to attempt to collect past due/outstanding HOA dues after a lien has been filed on a homeowner's property for their debt. 

Yes, there is a risk to this variable rate, but I don’t see this being a major issue any time soon; and if it is, I have a couple ways to handle it: 1.) lock feature on my HELOC that allows you to take an outstanding balance on a variable rate and “lock it in” to a fixed rate at .5 - 1.00% higher and amortize it and 2.)

One company specifically lends nationwide on 30 fixed rate loans in the 5% range.