I started the process over 3 months ago. They quoted me at 85 LTV, I then confirmed a month letter once assigned an agent told her my building was 4 units and she quoted 85 LTV and about 1.25 over prime. Then another month later after appraisal a new agent called me saying they can only do 75 LTV and I come discover the rate is actually 2.15 over prime when finnaly received full paperwork there is a .25 reduction for auto payments so 1.9 over prime still awful for 75 ltv.

They have no fees but the whole process was a huge waste of time. Buyer beware! I am cancelling and exploring local credit unions which I had used in the past, unfortunately I lost my old heloc during my cash out refinance and moved lenders.