Have your process in place consistently - ie have your financing documents saved at all points in time, be ready to pull the trigger with pre-approvals locked in quickly or a lender that has proven they can quickly turn around a pre-approval and close for you. 4.

@Clifford Datan I imagine the interest rate and fees on a 10% down investor loan are quite high, and it would be a good question to ask about a pre payment penalty as well. 

I'm finding a lot of Heloc's that are not fixed apr and/or require a lump some to be pulled out upon approval. 

We recently went through a pre-approval process and were quoted out at about a 4.5% rate on a 30 year fixed conventional loan.

don’t you set a pre-determined rate in the lease option?

If it's bank owned its not a pre-foreclosure.

In addition to your credit union, I would recommend getting a pre-approval with a mortgage broker as well because they can shop your loan to multiple lenders for you.

A good agent should work for their money, but they do need to be compensated.They should st you up to receive MLS listing for what you are looking for the very first day they hit the market.They should have some off-market deals that are not yet on the MLS.They should be able to think outside the box. eg offer a person with a temp credit issue an investor purchased deal with a future sales agreement and a pre-purchase occupancy contract.They should know the rental market and be able to give you rent level info on the properties they find or you find.Keep looking, there should be one in you area.Cheers,Buddy

Additionally, you'll find endless restaurants, activities such as skiing, festivals, and markets.

Looking for the bank that can provide me the best APR rate for a $1.5 million purchase for my primary residence.