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4.5 yesterday with no points and like 2k in closing costs (quicken loans). Just starting to shop, but seemed OK.

I doubt you'll pay not one dollar in costs associated with the loan Sweep, but props to you if you do. Maybe no upfront costs (how mine is), but it's because I'm rolling the 2k into the loan.

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-My friend QQQbbe, we will never forget you.

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