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What are reasonable fees for a $123,000 refinance rate at 4.25 for a 15 year?

We are being quoted about $3750. We have excellent credit. Also do you think the 15 year rate will go down anymore? We are waiting to lock. Thanks!
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July 09 2010 - New Orleans
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November 13 2010
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October 28 2010
Rate and Fees are very high-  I am going to asume you have decent credit and this is a standard home-  Not an investment property.  Check for a licensed lender in LA on Zillow-  You should get numerous quotes-  3.75% is where your rate should be on a standard scenario.
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October 28 2010
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October 28 2010
everything in life is negotiable.

If you would like a comparison,  give me a call
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July 24 2010
Although it sounds like the rate and costs are high, there are many variables such as LTV, Cash out or not, Credit Score, Debt to income ratio, etc.  Enter your information on Zillow and get competitive quotes.
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July 09 2010
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It's FHA, what other things affect it? She made it sound like the fees were set, it's thru a bank.
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July 09 2010
That depends on a number of things.  First of all, what is the loan type, conforming or FHA?  My 15 year mortgage rates are under 4% right now with no lender fees.  I cannot quote in your state, but there should be a lender that can give you a 15 year under 4% with littel to no lender fees. But that still depends on your loan scenario.
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July 09 2010
 
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