The first two answers below are correct. For Conventional, you'll eat about a point for the same rate on a 2-fam as a single. You can take a no-point loan as long as you know the rate will be higher. For FHA there won't be a differential.
Good luck with your purchase.
E Mortgage Management
There is no difference in rates between SFR and 2 unit owner-occupied. You should be able to get a really great rate. I think buying a 2 unit is a very smart way to go.
It is all very simple, so I'll clear up all the confusion. There are conventional loans and FHA loans (among others).
With a conventional loan, you have two options when buying a two unit building:
1. Pay points.
2. Take a higher rate instead of paying the points.
With an FHA loan, the rate is the same for a two family as a single family.
Feel free to contact me.
Hope this helps.
Depending on how much you plan on putting as a down payment, you may want to go with an FHA loan, as FHA has no adjustment for 2 unit properties. Feel free to contact me at 908 531 6170 or firstname.lastname@example.org or email@example.com