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If you enter this scenario on Zillow tonight, I think you would have at least four or five quotes tomorrow that would be at 5.0 with a fee structure around $2k and no buydown points. There are a number of other factors not mentioned here that will affect the pricing, but assuming this is your Primary residence and the LTV is at or below 80% I think you can expect a rate in line with this in today's market.
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