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I'd look into getting and FHA loan. I bet the rates are around 4.5% or something right now. I got mine for 4.75%. You only have to put down 3.5% for an FHA loan....just make sure you shop around to different banks and lenders and try to negotiate closing costs. That is what I shoulda did. The FHA % is set by the government I think, so you are going to get the same rate by anybody, it's not like they are doing you any favors
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