A huge bank, they have their hands full because of this mortgage crisis. You have little to no leverage with them. So I strongly suggest calling many banks up and just talking to a mortgage officer.
Let them know who you are (a local investor) and what you want to do. Ask what they have available in their portfolio now. A local bank, you should have. If the rate lock expired because they weren't ready to do closing, I would insist that they renew the rate lock. You should have much more leverage with the local bank.Josh Hamilton Jersey