I just got preapproved today at my local credit union and it was 7.49% for 10 or 15 years. They also knock off .25% for auto pay and another .50% if you have a checking account there. So that makes it 6.75%. If your credit score is above 700, you should be able to get a better deal than your bank told you. Just call around to all of the places in the phone book.
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