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Personally, I have had the best experiences with USAA for all banking, insurance etc. Just a great organization!
With that said I occasionally do purch & refi's for family & friends and we've seen the best rates at WF recently (as you all know Brokers get different pricing then through the banks front door).
EX:
My brother bought his home [closed early Oct] (short sale/family trust nightmare) and we got him an FHA 30yr fixed 4.875% with a 3.5% down payment.
Pretty sweet as both local CU & WF couldn't touch the rate on that program...
Dad's refi at 10yr was smokin as well, bi-weekly payments etc.
I absolutely hate Chase, Citi, BofA..
Not trying to make this a rate, broker vs bank comparo etc.
I'm just sayin...
YMMV
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Former Test driver & Production Manager Singer Vehicle Design
2009 Cayenne GTS, '81 911SC RoW Targa (lot's of goodies), '86 535csi, '84 633 csi (turbo charged-sold)  , '68 912 Targa (sold)  , '69 911E (sold)
"Dream it, Believe it, Decide it, DO it "
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