What APR is too high?

3 Replies

What is your mortgage FICO middle, property type, cash out, can you qualify with IRS net taxes is the answer. 

It's "highish" but what is your situation? Small loans have the same flat fees a $400000 medium sized loan has- underwriting/processing/title/escrow/recording. APR is the points plus fees divided by 12 months.

If your credit score is closer to 600 than to 700 then I could see it, especially if you are paying mortgage insurance. 

Ask your lender if there are some quick fix things that can be done to improve your credit score so that you can benefit from better pricing. 

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