That applies every financial institution not just BAC.

Local banks will generally have looser guidelines thank the large national banks which will make it easier for investors to get loans. 

As a national sales manager for a mobile marketing company, we dropped QR codes a couple years ago due to the lack of response. 

The MLS lost.Some states have tried to institute minimum service laws, which is something that the Department of Justice has opposed - check out their website here and here.IMO, a flat-fee services and a full-service agents are not head to head competitors as each has a much different value proposition.

Nationals tend to be way pricey and often not even better in quality.

Of course I read and do a lot of self-educating, but I feel a few structured course from reputable academic institution (under 10k) couldn't hurt.  

They both work at the same nationally branded company and have been there 5+ years.

I have spent all week calling local banks, state banks, and national banks and finally realized they were all saying the same thing - you can't use a HELOC in Texas as a checking account.

Hello BP nation!

You may even seek out younger lenders at an institution that are looking to build their portfolios because they may be more willing to work on smaller deals.