I can’t recommend little known Third Federal highly enough. You only need 15% down to avoid PMI, their lock is 60 days and if rates go down you get the lower rate (for a small fee). They closed me in three weeks. And here’s the best part - their low cost program with a slightly higher interest rate (but still less than most banks) cost only $295 for the whole process! They pay for the appraisal, title insurance, everything. It really is the industry’s best kept secret.
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