My wife and I are trying to refinance our home. We have a mortgage lender here in the Atlanta area that is handling the refi. He said that with excellent credit over the last 12 months we will qualify for a fixed rate loan of 5.75% for 30 yrs. Is there a huge difference in FHA lenders? Should we continue to shop around?
He said that were approved at that rate
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Shopping around can't hurt. Look at smaller local banks and credit unions, they often offer better rates because they are in for the long haul on the loan, not just looking to sell the loan as part of a mortgage-backed security.
Did he quote you that rate, or was the lender just making a general statement?
5.75% isn't terrible, really.