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HUD has really done it to us again. We have used FHA financing to give a lot of people access to the low-priced housing market in the past few years. HUD charges borrowers an upfront MI (mortgage insurance) fee as well as an annual MI fee. Currently, those rates stand at 1% upfront and 1.15% annual. That means on a $200k purchase at today’s 3.75% 30-year fixed interest rate, the upfront MI charge would be $2000 and the EFFECTIVE interest rate would be 4.9%.
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