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My name is Eddie.

Because in addition to the less stringent seasoning requirements, a lot of these local banks will allow you to put the loan under an LLC name, and you give an unlimited personal guarantee (also known as a contingent liability). 

You then ask how he spells his name and start filling out the agreement.

Hi All,My name is Frank Enriquez and I am a newbie from California, Orange County area.

A "Conforming" loan is a loan governed by Fannie Mae and Freddie Mac (if you recognize those names).

What you are saying is that we can create an LLC and put the property under the name of the LLC that way we can refinance?...

My name is Jacob Wathen and I am a real estate agent in Portland, OR.

I'm not sure if I want all 3 properties under the same note, seeing as they currently aren't under a business name but will be in the near future.  

Hello, my name is Garrett.