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Here's some useful info: http://ficoforums.myfico.com/fico/board/message?board.id=loans&thread.id=26264
Read that thread, reply to this thread with the info and you'll get a ton more of useful info specifically tailored to your situation. If you just like general information the search function here works great.
We are finally homeowners!!
Closed May 5th-30 yr fixed at 5.25%.