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use a mortgage broker over a bank.... better rates and lower fees. Try amerisave or quicken loans.... banks can't give good rates due to regs. Sadly they end up buying them from the mortgage brokers as investments at lower rates. It's an f'd up reg.
I will give that a look, thanks. I am usually leary of working with non-bank type loaning outfits....but money is money...Wells Fargo currently has my mortgage at 6.125%.