30 fixed mortgage rate history in CA?
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Rates dont change by state or District. Why I say district is because San Franscisco is http://www.frbsf.org/federalreserve/ base district for our region. Where is the big money in California? Irvine, CA is where all the Big Boys are.
Things to ask for:
PAR meaning you want to pay the 1 point origination fee(Standard) but you want a rate that will not cost you any discount points or is giving your Broker a kick back for using a certain lender.
check out the mortgageprofessor.com for more information on rates and terminology
if you want you can send me your GFE or HUD-1 before you sign and I will tell you what you are paying and not.
Since you are looking to buy a house you can get most your closing costs paid for by the seller. Get a really good REALTOR that can help you will this terminology and help you put this in your contract.
HAPPY LIVING!!!
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