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There really aren't any HIDDEN fees. People always say that and the truth is mortgage originators are required by law to disclose all fees associated with a loan. If you read your preliminary disclosures you will find that nothing is hidden from you. Take the Good Faith Estimate you received in your preliminary disclosures with you to the closing and compare to be sure the fees are the same. It's really as simple as that. Reading.
4.75% is a good rate today on a 15 year loan. If you can afford the higher payments a 15 year loan is a great way to go.
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