I went to my local bank and was told I had to go to the bank web site.  My bank has over 400 branches and I have ZERO relationship with any officers as I have never borrowed money from this bank in the past 20 years.  When I want to the web site I filled a 4 line "request" for a loan application.  I was told someone would call "in a few days".  I thought Oh Oh here we go but WOW was I wrong.  The loan officer called me in 2 days- we had the loan application in the next day and was approved the day after that  and had the money wired into my account 2 days later.  Everything was done on the phone and E-mail with a loan officer that I have never met and he was helpful all the way through  the process.  I am 100% satisfied with the process and the results.