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The mortgage industry is rife with sleaze and is about as opaque as any consumer-oroented industry I can think of. Either you find a mortgage broker you trust (good luck), or you deal with some of the few players that have decided to put their cards on the table and give you a firm quote (no "good faith estimate"). That I know of, E-loan, Etrade bank and ABN-AMRO do this, and I think ING does it also. I refi'd with Etrade in 2003 and got what I consider to be a good and fair deal. But E-loan might be cheaper. I would shop all of these guys to see what you are offered.
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"And Jesus spake, 'Become thou now fishers of adjustable rate mortgages'" - New Conservative Bible
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