From what I saw from the mortgage broker and credit union that I shopped, a higher down payment didn't affect the interest rate.Not all lenders price the same. Here's a screen shot of the price adjustments section of a wholesale rate sheet. LTV + FICO create a separate price adjustment. Depending on the lender,* there are greater or lesser breakdowns of price adjustments; for example, some (but not all) lenders offer better pricing for purchases than refinances.https://www.dropbox.com/sh/z7ntxmfnz2xhcdd/x2e8RqzYLB/Screen...* More precisely, pricing depends on the Wall Street investor underlying the "Main Street" lender.
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