The second place winner would be NFCU.Penfed has one of the best rates and you could see on thier sites BUT and a big but lol I have apply for thier refinance and equity line of credit and both times and it took alot of patience because of the pace they tend to take.

I look through the homepath.com on occasion and in Fort Bend County there tend to be expensive properties, meaning >$150,000.

Explain to your tenant that Georgia tends to be an very landlord friendly state and if she breaks her lease you will take her to court for doing so and the ghosts in the house aren't anything compared to what the judge will do to her.Gail

They tend to be at a loss for words if you deliver it calmly but firmly face to face and you get the gratification.  

Here are a few observations from my 25 years of investing in the area :- There will always be a good number of foreclosures in the area as most military buy with zero or very little down and when they are transferred in 3-4 years do not have the equity to sell and when they become a landlord have very little in reserve so they can't handle vacancies or repairs- Tends to be a better rental market than for flipping.

i moved to los angeles county fairly recently from nyc however my heart is forever in asia, my mom's ancestors' homeland. well my dad's a caribbean islander of mostly native amerindian descent but i find the caribbean is heavily europeanized, even with the afro & latino majorities. so, i tend to vacay and expend humanitarian efforts moreso in asia than here in the 'new world'.so if i could move anywhere within USA it would have to be even more 'West'ward til proximal to the Far East - HAWAII, GUAM AND OR MICRONESIA(!)

Because I am near a University, I tend to get a lot of interest and applications around May and August.

We tend to take a similar tack as @John Weidner and @Rick Harmon.

However, recently the meetings tend to mainly be national REI Gurus pitching courses or coaching.

However she tends only to want commercial or decent size multi-family properties (so it's worth her time).