Depending on the amount you want to borrow, check with a Federal Credit Union. One here in S.CA. has several programs that have lower rates than banks. Remember, Credit Unions do not have to follow the same guidelines as banks.
Hi Justin. Banks usually have someone who is in charge of customer service. Some banks call those little angels personal bankers. Call your bank and ask to speak to someone in customer service or even better, pay a personal visit to your local branch and ask to speak to the finance department manager. If your bank has special programs they'll be happy to discuss the requirements with you. These programs are not secrets and you don't have to know the insider track to get the information. Banks still want to loan money to well qualified borrowers. Good luck.