[quote=HLS][quote=Former SD resident]or amerisave? currently offering 4% with $3430 credit[/quote]

Understand that the $3430 credit may be needed to cover your closing costs. Make sure that you understand the hard costs and what will be left over.

You are on the right track. I told you that the quote you received yesterday was ripoff-ridiculous. 😉

Also realize that pricing does change daily (up or down) but you still should be able to get 4.00% or less at zero cost and still possibly get additional credit.[/quote]

Thanks again HLS! When we get back to Cali, which I know we will EVENTUALLY, I will definitely call you when we are ready to buy. 🙂