Investment property refinancing: need advice on lenders and rates

[Brian Udovich]

I'm looking to refinance my single family property and the HELIC i have on it. I have 23yrs left on 30yr mortgage and a balance of $110,000. I also have $30k in HELOC thats gonna need to be rolled in. I'd Like to pay off some other debt as well if appraisal indicates additional loan-to-value exists (im estimating value of house $190k-$200k. Quicken offerring 4.875% for 30yrs, $2800 in fees/costs. Max 75% loan to value. Is this good? Was hoping for lower interest (owner occupied mortgages around 3.875) and 80-90% LTV. Quicken credit check was 780-797 I see Penfed may be geared to investment financing?