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Interest rates are falling rapidly but won't be low forever. If you have been thinking of refinancing, now is the time to lock in a rate under 4%. Here's what's available today for a $400,000 loan amount in California.

9/22/11
Loan amount $400,000
Single Family Primary Residence
740 Credit score
80% LTV or less with no impounds

Note Rate 3,875%
APR 3.875%

ORIGINATION CHARGES $0
Underwriting Fee $995.00
Appraisal Fee $435.00
Credit Report Fee $35.00
Closing/Escrow Fee $425.00
Notary Fee $150.00
Lender's Title Insurance $675.00
Courier $45.00

Credit to borrower for 3.875% interest rate. $(2,760.00)

Principal & Interest $1,880.95
Due at Closing $0.00

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