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You looked hard to find the right house. You negotiated the right price and shopped around for the best mortgage rate. to an average $3,681 on a $200,000 home loan, according to Bankrate.com, a.

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Not every mortgage lender will offer FHA-backed mortgages, so you may need to shop around a little to find the right fit. Online lending.

The mortgage rate isn't the only factor when it comes to the cost of your refinance. To find the best rate, compare each lender's fees and closing costs to fully.

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