Mortgage Question?
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Getting a no points no fee loan normally increase the interest rate to cover these expenses. No one works for free. You wouldn't so why would others.
You should again check with your tax consultant for information concerning this deduction.
I hope this has been of some use to you, good luck.
"FIGHT ON"
Mortgage Question?Your best bet is to get with an FHA approved lender. Most of your larger lenders, such as Countrywide, Wachovia, Chase, etc...all are FHA approved, and are all around the same costs. Just look them up on line for the local retail branch nearest you. The problem you will have is, the money you save from combining your two payments may be soaked up by now having to pay PMI, or in the case of FHA, MIP, both of which are mortgage insurance, since you will be over 80% loan to value now. I would consult, not only the retail banks above, but a Mortgage Broker to see who does give you the best deal.
Good luck.
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