Prosperity-FHA 30 year fixed.
5.0% with one point-
Monarch- 4.875% with zero points
Prosperity- 30 year fixed conforming
5.0% with one point
Monarch-5.0% with .625 in points.
Prosperity-30 year fixed jumbo
5.5% with one point. Insanely high. The estimated fee on this is over $13,000 for Prosperity!!
Monarch-5.25% with NO points.
Folks please, please please, shop around and don't let anyone push you into a loan with a "preferred lender" because it's easy and quick. We are just as quick here if not quicker. You'll never know unless you call 240-403-1970 or email email@example.com
The difference on the jumbo is $4,400 in fees and $828 difference per year. Over 30 years it's $24,840 plus the $4,400 in up front fees. It's worth a phone call to compare don't you think?