i'm going with an FHA with 3% down.i talked to my broker yesterday(20th april) and he quoted meexactly 7.375.i told him about 80-10-10 and he said u need 10% down for that.i asked him about points and he said dont waste your money, payoff ur credit cards first, u'll be refinancing in a few yearsanyway to get rid of PMI.BTW, i'll be locking my rate on wednesday.
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