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MBS +1/32

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Any thoughts on the best way or product/lender to refi my non-owner occupied duplex? I've got 20 years left at 5% and a LOC coming due in 2 months that I'd like to refi also, in together with the 1st. When I called a few weeks ago, it was about plus .5 points for the multi-family and non-owner occ. Any thoughts on what products might work best, or strategies to offset the bump in the rate? Right now I'm thinking of either going with a 20 yr fixed or a 30 with extra payments.... Thanks....

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Need some reviews and thoughts on PenFed's 15/15 Adjustable Rate Mortgage for first time home buyers

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Closed with PenFed this week. Extremely disappointing experience. They didn't make the close date and when they finally got the paperwork to the closer it was all wrong causing another day of delay. They sent the appraiser the wrong purchase price and of course the house didn't appraise for the sale price causing all sorts of unnecessary frustration and unease. Processor was flat out horrible. Thankfully our builder allowed us occupancy despite the delayed closing.
The only thing positive I can say about my experience is I locked at a very good 5/5 rate and got in on the no closing cost promotion. If you can't check those 2 boxes I'd look elsewhere.

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^^^^^^^^^^^^^^^^

This review just caused me to choose Amerisave today.. Thanks Yelf

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anyone dealt with wells fargo? experiences pls?

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raghavcamp said:   anyone dealt with wells fargo? experiences pls?
Depends on who your agent is, but no problems for me.

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