Thanks for your comments. Let me see if I understand this. Walmart is rude and crude, the type of store you certainly would not want to shop in or "fight the crowds in" the type of company whose customers are so crude that they dont even have bank accounts. So, if I got a loan from them, they would probably not give me the proper service that would be required. And then if I use a mortgage broker in the area, then I would get much better customer service and so forth. And walmart anyway, they are not used to dealing with such sophistocated customers as ourselves anyway, they are mainly used to dealing with "hand to mouth" type customers. Well, you may very well be right but as for as my needs if I'm looking for a million dollar loan on an 2 million dollar property, I am going to compute my annual debt service. The lowest number wins. Period. Also, just assuming you were going to invest a million dollars and walmart paid you 6% on a cd and the local bank paid you 5%, where would you invest your money? You dont have to answer that question because I think I already know the answer.