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| National | Average Rate* | Points | APR | | 30-Year Fixed | 6.625% | 1.062 | 6.804% | | 15-Year Fixed | 6.000% | 1.239 | 6.309% | | ARM | 6.500% | 2.984 | 6.170% | | | * Conforming FNMA Loan Amount |
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