I always advise people to not only shop rates and fees, but rather a reliable and trust worthy Loan Officer. I want to advice you that in June of 2013, there will be HUGE changes to the FHA program that'll make it more expensive for you the buyer. Consider speaking to an FHA experienced Loan Officer to pre-approve you.
Feel free to contact me if you need help from a reliable Loan Officer. Good luck!
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
Give me a call when you have a free moment as I work with 30+ lenders (Wells Fargo, Citi, etc.) and can assure you the lowest rate will be obtained. Not to mention it'll save you a bunch of uneccessary credit pulls which could hurt that great score of yours. I look forward to hearing from you.
Nope, just like closing costs vary from lender to lender so do interest rates. Your closing costs are also affected by the interest rate. The lower the rate, the higher the closing costs.
The Rate and Terms from Wells may be quite different from BoA.
You sound like a very good candidate, so you should be in demand.
I am sure that you will get good responses here on Trulia.
Good luck and may God bless