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You've got to compare real offers with your situation and credit score. We have had 3 home loans (one original, 2 refinances). The first two were from a local broker. The last from online with e-loan. The latter was the cheapest and superb service ... better than the superb service of the local broker. Moral of post: not all internet offers are bogus, nor are all local reputable brokers the cheapest.
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