Bizi,
Would it hurt to put it out of mind until after the weekend and see what their next move is. that is a HUGE closing cost and long term I don't know that you would be any better off? Need someone good with the amoration (sp) for that.

That is where they are hooking people in is the lower rate,
and floating % .
Between that and the closing cost is $$$$

Could you argue misrepresentation to get appraisal fee back if they do not lock in at the rate?

Consider two, if you make a 1/2 payment every two weeks, or add that mount of the $4,000 broke down to each month, how much earlier you could pay the loan off.

Did you check into a home equity and pay off the mortgage?

I am not good about the numbers, but I knew making the extra month payment every year was reducing the principle.
Really considering using the 401K and pay it off as opposed to withdrawing and making payments.
I hope it falls into place and things work out for the best financially
di