Refinancing Property/Banking Advice

[James Evans]

My credit union has offered me a great interest rate for a secondary home. However, they stated that the bank will not allow me to put the property in an LLC, after the purchase. If I can purchase this property with a great interest rate, can I refinance, after a year, with a major bank, and place that property under a LLC? Also, any recommendation for major banks. I’m located in North Carolina.