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My wife and i have been pre approved through a broker for an FHA loan for 350000 at 5.75%, I heard it is better if you shop around for a better loan,was thinking of doing this online , is there any websites that you recommend to get pre approved. Lending tree, Quicken ect...
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Yes, you can shop a few lenders and ask for a good faith estimate, GFE, to compare rate and terms. That rate is high although if your doing the FHA CHF Access half percent down payment, the rate is a little higher because of the 2nd loan for the 3% down payment or closing costs exception offered, but maybe only 5% today on a 30 yr fixed. Your rate depends on your fico score as there are hits to the rate for every 20 basis points lower. I specialize in Under 640 fico scores if you need me in CA only...
As a realtor, I have found Quicken to be easy to work with and they seem to want the loan to close. Where ever you go look at the final closing costs. These are even more important to study than the interest rate.
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