What is a reasonable APR vs.Interest Rate spread?I just locked a 30 year fixed loan at 4.375, with an APR of 4.697%. It costs 2.5 points, but has a short break even point, and we are planning to retire in this home. I am thrilled with the deal, but can't help but looking at the closing costs of $8,200, and almost second guessing myself.March 19 2009 - Corvallis11YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.