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You're a dream borrower.
Should have no points, a rate of 5.75% or so on 30. Might look at 20 or even 15 yr fixed. I've seen 15's at 5.375%. The difference in P&I might suprise you that its not that much.
I'd ask for no origination fee and see if they'll cover some of your closing costs. No PMI either.
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