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30 yr rates are below 4 % for refi is that for a harp or reg with 20% down

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April 24 2012 - Seattle
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It really depends on the lender, your scenario, and when you submit an application. Rates fluctuate daily which is one of the reason there are so many laws about quote rates. Also remember rate is just one component of a loan, there are also costs involved, and you can't have the lowest rate and the lowest costs, so it really is dependent on what you are looking for. Both programs however are very similar in rate, because the HARP program places a cap on loan level price adjustments due to negative factors like LTV, Bad Credit ETC. HARP is essentially fantastic for lower credit score individuals, and people with investment properties as they will be getting the same or similar deals to people in better situations.
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June 28 2012


Purchase rates will be very similar to refinance rates. If you would like more information that is specific to you please contact me!



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April 25 2012
you wouldnt / shouldnt  need a HARP loan  is you are purchasing a property  and have a 20% down payment
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April 24 2012
Again a lot of different factors. LTV - DTI - credit score - escrowing or not - who is picking up closing cost. All these factor in.
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April 24 2012
probably both will get pretty close in rate
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April 24 2012
 
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