Hey Dale, we can certainly talk after the weekend; however, yes we do have multiple lenders, unfortunately, this home is not heated year-round, itâ€™s a cottage on a seasonal island that gets fairy transport during the warmer seasons. Recently Provident has made the decision to stop doing those kinds of seasonal loans. There is about 50% CLTV, so there shouldn't be any issues there. We have about 10 lenders, but are looking for some that offer better payout. Currently only 1 of our lenders (that have responded to our request) have told us that they would take on the seasonal property refi. The gentleman currently has a 6% rate, with a primary residence in Mass. Do you have any thoughts as to who may pay out well and be willing to take on the loan? They are a high income couple with low debt and plenty of assets.