Mortgage rates depend upon the full picture so if you go on the net you will only get guesses. We do not negotiate rates (unless you can give a bank several million dollars to work with each year). You should speak to a mortgage officer, but they will need a full application to give you a correct answer. They will offer you a rate with points and without. It will depend on what you select.
Most lenders charge $1200-1480 in fees. The rest of the closing costs goes to other companies.
Lender fees vary so be sure to ask what they are right up front. Some are ridiculously high. Others are reasonable. They cover the cost of the mortgage processing which is very paper intensive and time consuming.
Points are a percentage of the loan amount usually paid at closing which will reduce your long term mortgage rate.
I'm a Realtor and would be happy to work with you as you search for a new home. I can be reached at 203-231-8474.
You can check the overall rates on the internet, f.e. Bankrate.com.
But, that's not state or credit score, or loan amount specific.
That's why it's great to check out on some large bank's rate, a reputable mortgage company, and a credit union. Their competitiveness changes (depending on their financial goals), so you might benefit from checking out these different types of lending institutions.
CDPE - Certified Distressed Property Expert
Beachfront Realty, Inc.