Too many unknown variables in your question. Depends on your credit score, assets and income. Also depends on the equity you've got in your home. An appraisal form 2009 is more or less meaningless your home could be worth more or less right now, I'm not familiar enough with the San Francisco market to say. The best advise is to contact a few local lenders (including a credit union if you've access to one) and get some quotes. Be certain to factor in any charges and don't just focus on the rate.
I agree with Lance, shop around and see what they each offer. Be sure to pay close attention to the loan costs.
Try PHH Home Loans and Nancy Overcash. How can you go wrong with a loan officer named Overcash? Her number is 858-752-4989. She's a direct lender and has come through for clients many times in the past.