My advice would be to get off the internet and talk to a local mortgage broker in your own area. I call the internet the big mortgage billboard, but your local licensed mortgage professional is the fine print. I talk to people everyday that say "I know I qualify for" whatever program, and within 30-seconds, I inform them they don't, or there is something with a better fit. Same with interest rates. Huge amount of mortgage internet rate advertising is either flat out bull, comes loaded with a bunch of costs, you don't want to pay, or you don't qualify for. I lend in MN, WI, IA, SD, and ND. Find me at JoeMetzler.com, NMLS274132
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