[quote=flu][quote=captcha]Is that with impounds account or you pay the taxes and the insurance directly? What was the immediate cost to you?[/quote]

No impound… Closing cost is about $2600 + or minus on $417k.

Like I said, probably I’m getting ripped off.[/quote]
Something doesn’t add up. You said your APR is 3.872% with ~$2600 closing cost. Right now, AFCU rate is 3.75% with $3374, which turn out to be 3.837% APR. Did you mean to say 3.827% instead of 3.872%?