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If you have access to a credit union it will probably give you the best deal available. Right now trying to finance anything is a chore. In a short time you may find things easing up a bit, though.
Personally, I would wait if you can't get favorable terms now, or buy vintage for cash and get out your tools.
Wells tried to give me a home loan at 8% Two years ago. I got it at 5-5/8% at a local lender a few weeks later. They are off my list of potential lenders.
Rich
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