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| National | Average Rate* | Points | APR | | 30-Year Fixed | 6.500% | 1.125 | 6.678% | | 15-Year Fixed | 5.750% | 1.425 | 6.097% | | ARM | 7.625% | 2.150 | 5.979% | | | * Conforming FNMA Loan Amount |
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