That alters the rate.In all of those scenarios, you should have a trusted advisor you can call to ask questions, pitch a variety of loan structures and get a good answer on a ballpark rate (because until you lock, you just don't know).Just one girl's opinion.  

So figure out which one you want to follow up on and grab one of their books.  1) manage your big expenses - sell your car and get something cheaper and pay cash for it - you can get a used prius for 5-6k and you'll save money on gas too2) house hack - i.e. do a 3.6% downpayment (FHA loan) on a duplex.  

Background on me:I'm 25, married to an awesome, business oriented girl who will test next week for her real estate license in WV.

Background on me:I'm 25, married to an awesome, business oriented girl who will test next week for her real estate license in WV.

I live in Irvine, I'd be happy to grab coffee and see how we could maybe collaborate on deals.

I would love to hear from others in the Columbus area and grab a drink!

If you had invested in Tampa Florida, you would have gotten better returns than LA over the same period with an price index change of 39 points, Boston grabbed 30 points, Atlanta got 31 points. 

I'm 32 years old, born and raised in Baltimore, MD (just outside of Towson), married nearly seven years to the genuine love of my life, and father to one beautiful little girl (almost 5) and two awesome little dudes (3.5 and 3 weeks).  

Next time you're in town to see a property with them, grab lunch together and pick up the bill.

The difference is $275, but this seems like a quick cash grab by the title company on unsuspecting home buyers.