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Are you getting any credits towards closing costs?
That sounds high... we are closing Friday FHA w/3.75% rate (it was still at this rate at the end of the day Friday). My mid mortgage score was 660 or maybe just a few points under. 3.5% down
It was my understanding that each bank's rates for FHA could vary. I'm sure they can't go to town on the rate, but it should be within a certain range. However, it's not score driven so everyone with that bank going for an FHA would be eligible for the same rate.