"We were in the process of refinancing with another company when we contacted mortgagefool.com. Not only were they able to get us a better rate, but the entire closing process was the most painless we have ever gone through!" - Steve S.

Rates & points assume purchase loan amount of $417,000, primary residence, credit scores >720 and $750 in lender fees. Lower loan amounts and the amount of equity you have may require slightly higher points. The quoted points include both origination and discount. Please note: A refinance adds .25 to the points. (Not the rate!)

Note the ARM loans shown here have prepayment penalties - Call or e-mail for details.

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Note: Negative points indicate a rebate back to you which may be used to pay closing costs but will not allow cash back to you , unless it is to reimburse you for costs you have already paid.