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Just curious- seems like lenders are all over the place, especially with FHA giving big credits back. I had one lender quote an origination fee of $6500 with a credit back of $6770, which was basically a wash and another lender whose origination fee was only $675 with a $2700 credit back. Why so varied? And what is normal for the current 4.25% FHA loans???
The origination fee- cost or credit (haven't heard of a credit before) is prepaid interest. So you need to compare the actual interest rates taking this into account.
You need to either be good at math or google "loan comparison calculator."
You don't particularly care why it's varied and you don't care what's normal- you just want the best deal.