@Scott Mac government controls either don't produce the intended result, or result in unintended results. 

If you are looking for 30yr fixed rate financing every bank is going to offer the exact same terms because we are all offering the same loan program that is underwritten by Fannie Mae or Freddie Mac. 

Your net worth and credit history won't get you to a Fannie Mae or Freddie Mac small balance loan yet.

I am viewing the thread on an iOS device, on the Apple app.

My best deal was purchasing a Freddie Mac REO 4 unit + garage apartment building and small storage building 22 to 24 units, depending on how one counts it for $131k.It was trashed, rented to druggies who recycled everything they could. 

Now those same neighborhoods Which were once the Mac daddies  of war zones are going for $100,000-$250,000+ aka Morningside, East English Village, Bagley, Jefferson & Chalmers, North end and many more. 

These notes if conforming are sold to Fannie Mae or Freddie Mac, if non conforming are packaged and sold as mortgage backed securities.  

Turn off all devices and read. 

If you haven't maxed out your Fannie Mae Freddie Mac conforming residential loans I would do that first.  

The problem is that every bank will have their own underwriting criteria and overlays to the Freddie Mac and/or Fannie Mae Standard guidelines.