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Use annual percentage rate apr, which includes fees and costs, to compare rates across lenders.Rates and APR below may include up to .50 in discount points as an upfront cost to borrowers and assume no cash out. Select product to see detail. Use our Compare Home Mortgage Loans Calculator for rates customized to your specific home financing need.

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They’re often unable to refinance to take advantage of lower mortgage rates. They may reduce spending on property maintenance or investments. They may not be able to move when opportunities arise for.