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Rates are too high right now and property values at an all time high. I would rent, save more money, wait 2 to 3 years for the next recession.
When I was doing research half a year ago, I learned if you have good credit, B of A and Chase are cheapest. Chase had more money back programs, B of A had lower rates to begin with. Chase was cheaper overall for me.
^That's how I felt when I talked to Wells Fargo lol
Look at credit unions too, they often have great rates, I got the lowest rates from navy federal last time I bought a house
FWIW: I shopped around to BofA and was amazed at their incompetence. It scared me away from taking a chance on them servicing my loan
Acn1: I imagine the large banks would be like that. I went with a smaller lending provider that I pitted against BoA in negotiations. Got a good rate and the company seems to be doing a great job servicing the mortgage (including preemptively advising me on how I should prepare for the first tax bill, as my house had previously been owned by a retired veteran who managed to claim like 4 different deductions on the house. They were like “your house is on the tax roles for about $120k less than the house is going to be worth when it gets updated... so you should save an extra $xxxx to prepare for it”)
Differs by region. Some of the community banks are very competitive. I use a local mortgage broker. Never pay points