“Hi, I’m David and that i would like to know how come possible enjoys a good 5.6% towards the a 30 season repaired and you may an effective eight.694 Annual percentage rate no issues and simply 3750 clsoing costs-by the way, loan providers estimate costs from the .125% grows, online payday loans Utah otherwise “eighths”, which should say 5.625-” “Which is merely a common rate, sir” “What exactly do you suggest it’s generic?” “You can aquire you to rate when you yourself have certain monetary chaacteristics” “I know one, but exactly how how is it possible you render myself a beneficial 5.6% interest rate which have a beneficial seven.964 Annual percentage rate? (Annual percentage rate has to be legally shared, incidentally. Lees verder “Therefore, We spotted you have a credit history, are you presently currently dealing with a real estate agent?”