I bought my house in Dec of 2018 with an interest rate of 5.1%!! I'm refinancing at 3.2% right now. Remember that dealing with a lender is like dealing with a car salesman: negotiate, negotiate, negotiate. Lenders will give you 3.75% right now, but you can go as low as 3.2%  B of A has a grant that covers *non-recurring* closing costs ( title insurance, fees, etc ). 

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