Good terms? You know where to get better? 30 yr fixed rate NOO.

[Cameron Price]

I'm getting quotes on mortgage terms, etc.

Heres what I currently have:

Rental property appraised at $72,000. 

Looking for 30 year fixed rate mortgage- cash out refinance.

My credit score is 762.

I have a 10K LOC on the property that I'll have to pay off. Other than that, no debt.

Located in a rural area of Darlington, SC.

I have a verbal quote of 75% LTV (so 54K loan) with an interest rate of 4.5-4.75% and 2 point origination fee from a mortgage broker.

Anybody have a connection for higher LTV and/or lower interest and origination fees? Or do these look reasonable considering the market?

I'd like to get 80 or 85% out of it, but that might be wishful thinking.