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Well, Bank of America stepped up their game and significantly reduced their quoted interest rate AND closing costs. I've decided to let them try since they already have the loan. Hopefully it will move through the process quickly and we can close before the end of the year.Thanks to all who replied and spoke to me over the phone.
I would try another lender because your situation sounds very simple. Some of the big banks are not taking loans with mortgage insurance or higher loan to values but there are many lenders or brokers that can help you.
Review my profile. I am doing one there currently with MI. You have to stay away from the big banks. As soon as they here mortgage insurance they run. I can transfer easily.
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For Sale: $60,000
For Sale: N/A
For Sale: $159,900