Yep ... Banks dont hand out any kudos for long term partnerships ... Ya have to jump thru the hoops like an 18 year old with no assets or runs on the board mate ... lest they be missing out on all the fees to provide a loan ... I mean how could they charge you 500 bux to set a loan up IF all they had to do was get you to sign one document and transfer it .. AYE .. HANG ON !!