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Those are not rates for jumbos, are they?
Pretty certain that is for convetional loan <417000.
There is a big difference between ‘cheap’ money and ‘free’ money, IMHO.
When people start finding free money there I start looking for froud. There no such thing as a free meal. Anyone promising that your can mail a letter with their 20 cent stamp I suggest you run and hide. JMTC