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Message: [QUOTE="upstater, post: 3628614, member: 153"] I just finished mine this week. I have a multi-unit which we reside in. Initially, I got .5 points at 3.125%. But the jackarse appraiser from rural east bum-youknowwhat came to the city and appraised at $200k below my City Assessment! Which is well below value! So, even though loan-to-value was still good, they jacked me up to 2.125 points a week before close. LOL. The bank was so motivated at that point that they brought me up to 3.5% at .75 points, and then took a charge against most of the points, giving me effectively .25 points. Ridiculous, but still well worth lowering my 4.875% current mortgage. I knew that guy was trouble when we walked into my home looking like Gomer. [/QUOTE]