which bank would you choose?

[Tim Nicholas]

I have entered into financing with a bank on an 11 unit property (plus they hold the mortgage to my other 6 units) and they have order the appraisal, however I found another bank that will do a 20 year verses a 15 year mortagage on the properties , interest rate about 6-6.5 verses 5.5. I would like to use the longer term for better cashflow but I am not sure what the cost would be since the appraisal as already been ordered. My current bank is super easy to work with I just give them the numbers and they do all the work. Which would you choose?