Dola:
I know there are a few folks here who are RE investors as well, and I am probably guilty of assuming everyone is as familiar with that process as I am.
But in very short, if you are talking directly to any lender you are probably paying too much. A mortgage broker, in my experience always gets the best deals Especially for great credit scores as they can package you with a sub prime and lower the cost of their whole portfolio and the subs can cover some of your numbers. (Thats my understanding, I dont work on that side of the equation ever)
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