I was also going to recommend aimloan.com as I have had positive experiences with them on investment property loans and they can do business in NC.
You mentioned $265k loan balance and if you have great credit scores and LTV of 80% or less then you aimloan is currently showing 4% on 30yr with only a couple hundred dollars closing costs
For Penfed you have to be a member but you can join an association for $15-$20 to qualify.
