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Maybe now you can hear everyone....
[content removed by moderator for being a personal insult]
Laura,You new so I will be gentle.Spamming is frowned upon and against zillow policy. Offer advice but avoid suggesting posters call or e-mail you. If they want to reach out to you they will click on your profile.
Paying a lower rate with higher costs is usually the best way to go. There are some great websites with amortization calculators for you to actually see your savings. You will generally save thousands more off your interest than you would ever pay in closing costs. 5.375 % though does seem high for where rates are today. I would like to offer you a free quote as well just based on your loan specifics to see if I can beat that for you. Either way, good luck with this. Don't let it overwhelm you. Owning your own home for the first time is a great experience. Don't let this ruin it. Take care.[content removed by moderator for being self promotional]
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For Sale: $379,000
For Sale: $385,000
For Sale: $835,000