We originally intended to have no mortgage, but the crash of the real estate market caused a u-turn in that theory. We have ours through BB&T, who had our mortgage in VA also, and with whom we do all our banking. Their customer service and on-line banking options are excellent. We got a 15 year mortgage at 3% and no points (did include some service fee type items). We close on July 5, so this is pretty current info.
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