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Wells Fargo portfolios some of their loans, though I can't say which. So does Flagstar and other biggies. Also try credit unions and small banks, such as Umpqua. But honestly, requiring a lender to not sell off it's loan is almost like requiring a developer to only build single-level houses--it restricts the ability to make a profit.A 3.5% rate on a 30-year-loan will require more points upfront, since that's below the posted rate. But it shouldb't be hard with a 15-year loan. You might even do better.
I sent you an email with information on a couple of banks. Hope that helps. Agree with Dave though rates will most likely be higher.
try contact washington federal ...they tend to service their loans ...their rates are much higher than the lenders that dont service their own loans though
That is a great rate, did you lock that rate with the others who pre-approved you.
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