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I just locked at Boeing CU.
30 yr fixed
4.75% .625 pts (1% origination fee + ~$1800 in fees)
The fees might actually come down to about ~$1500 (escrow fee may be lower than what they have stated).
Altogether, the numbers made sense for me. With the previous mortgage, I've been prepaying (ARM at 4.75%, adjusting in two years), but I'll hold onto this one for quite awhile and stick with minimum payments.
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