Colorado lender for cash-out refi

[Matthew Arreola]

Hi all, 

I'm looking to pull some cash out of a duplex and SFR by refinancing. I've owned both for quite a while, so there's no seasoning issue.

The first loan quotes came in at 5.5% APR on a 30 yr fixed with 1.5 points and over $1,000 per loan in lender fees. The lender can only do 70% LTV on the duplex and 75% on the single family.

I've read in other posts in this forum that something closer to 0.5% above the owner-occupant rate is typical. Before calling every bank in the phone book, I'd like to see if anyone has recommendations for lenders that do business in Colorado who offer better rates, lower points and fees, and/or higher LTV.