Now that I have your attention….Carolina cooperative credit union (Carolina Cooperative FCU) in Charlotte will do a 1.99%, no money down, up to 84 months for credit scores above 730. They will do this nationally (you have to be a member and can become one by joining a specific NC commerce organization - I dont know what it is because I am in charlotte and have been a member for years - but they can tell you). Note, they will not provide documentation that you can use to price match elsewhere. Their application process isn’t online, but is still super easy to complete a pdf and email it. And they are very easy to work with. You are welcome.