i think TD BANK might do it and there is one other bank I will look up there info and get back to you
Go to Zillow type in property address open the link, and it will be right under the property, hope this helps!!!
Case by case basis and the regulations might change but 3 years is the average I have heard also
We work with a ton of different great lenders but its sounds like the credit union treated you unfairly, they promised you one thing and switched the deal midway through and based on that I think its a personal choice,If it will save you a significant amount of money to go with the other lender than I think you should.