definition of two-family housei am looking to refinance and i searched quotes on zillow. the property is a 2-family dwelling located in massachusetts. one unit is upstairs, another unit is downstaris. totally independent apartments with separate utilities. on zillow when i search for the rates, i do not see anything that says 'two family',so the closest thing =townhouse. this is understandable b/c a lot of people outside of mass do not know what a 'multi family' building is. the results is excellent namely rate=3.875% fees= $324. i like the deal and i proceed with the provider. ..... a few days later he gives me the following estimate: rate = 4% fees=$2845. my bubble is burst and i ask for the explanation and the broker says the following. there is a drawback with zillow rates that everyone knows about. namely 'two family' building does not exist on the menu. fanie mae automatically adds 1% for being investment rather than primary residence and 1.75% for being '2 family'. maybe it is the other way around (not sure) but the total is 2.75% markup mandated by the government. i am not totally buying this explanation and now i am asking the zillow community if this is trueAugust 27 2012 - Watertown00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.