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Are intreast rates on good faith estimates usually a lot higher than actual, the reason I ask is becuase my LO sent one with 6.5 but I am thinking since I am not yet locked in, it was just a high estimate
Thanks
I floated down on Friday to 5% with .125% of a point.
Ask them to re-do the GFE at 5.5%. 6.5% is them being extremely conservative.
WIth FHA a 620 and above gets everyone the same rate. They just recently began imposing penalties to those with scores under 620.