I would shop that offer a bit @Sean S.  !

SHOP for rates. 

You will find them from having breakfast at one of the local diners or coffee shops.

Shop around.

The rule of thumb for purchasing accounts is somewhere around $1000 per account (this is very conservative in most areas) however prices tend to be a lot lower for smaller mom and pop shops.  3.

Obamacare, or the Affordable Care Act, is a body of laws governing health insurance.  

I work at an asset management shop.

I also worked with a loan officer inside one of my bank's branches.From the little bit of shopping around I did, I was surprised at how different the banks were in what fees/costs they charged.

HLU CURRENT FOCUS: Type of Collateral: Office Buildings Apartment Buildings Shopping Centers Mixed Use Owner-Occupied Facilities Light Industrial Hotels/Motels Churches Gas Station/Convenience Store Vacant Properties (not land) Marinas Lending Parameters Overview: Loan Size:$1,000,000 to $50,000,000 Interest Rates: 11% - 13% LTV:Up to 75% on income producing properties CLTV:Up to 90% on income producing properties Origination Fee:3-8% taken at closing from the loan proceeds Loan Terms:1-3 years Cash Down:Borrower needs at least 10% cash into project (acquisitions) Letter Of Intent: If a prospective client meets our lending criteria, we will prepare a Letter Of Intent FREE of charge once we gain the following information: 1.Name and address of the borrower 2.Names and addresses of the principals of the borrower 3.A detailed description of the collateral including he entitlements (recent appraisal) HLU Lending Group, Santa Clarita, CA

I created my own "luck" through posturing, body language, eyecontact & speach.