Just completed a buy for a $250k single family home from a sale by owner , thought it was an ok buy based on her initial list of $266k . No commission to buyers agent or seller agents . Bought this with a FHA owner occupy loan . Interest rate is 4.9% , 30 year term , location is in Fresno , Ca . My credit score is good , 800. After asking around ,my brother pointed out that mortgage rate is high , I felt like the mortgage rate should’ve been around 4.6 % . I worked with a family friend who did a good job with the process but I should’ve have verified the rate ! Just wanted to share this with new investors . TRUST but VERIFY! Slightly bumped about it .