Every bank has different lending policy, do not assume they are all the same.
Mrs. Money was refused by her favorite bank (she was with them for 10 years) when she tried to refinance to invest in a business. She was frustrated as
she might miss out on the business opportunity. We have reviewed her situation and contacted all our bank network to find out if any bank could help. Amazing result. Mrs. Money has refinanced her house (3.9% to compare with 4.15%) and also has a secured business loan at 5.10%. She bought a business and enjoy her saving of interest payment of nearly $6000 each year.