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Noit is very black and white - there is no way around the upfront (which is now a lower amount) and the only way to avoid the monthly is to have 10% down for a 15 or 20% for a 30 and then you would probably just be better to go conventional and avoid the upfront fee,
Brian
Thanks for replying Brian.
I have well over 20% to put as downpayment so I guess FHA would not be good if they won't allow me to buy down the interest rate by paying points.
As far as Sonyma is concerned, they are currently adverstising a 4% APR on a 30 year fixed. That beats all the other conventional rates in my area for a 30 year fixed.
I'm mainly interested in buying down the rate as low as possible. Any ideas?
I'd be surprised if SONMYA doesn't have a rate buy down option, I'd give one of their approved lenders a call.