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In the beginning of a purchase here in AZ. You are correct with your statement. The market is all over the f n place. Ive found lenders don't want to "Lock you in" to a rate until the last possible second because of this. Rates are around 3.25 and you can buy that down for not much. Do your homework. Talk to plenty of lenders. Im sure you will find something that works for you. Having your docs ready to send asap will probably get you moved to the top of there list.
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