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California Mortgage Expert – Eric Fang – Blog. – Right now, the rate is very complicated with the "relationships". If you can transfer 75k or 100k, your rate would be better. Or if you have 500k, then your rate will be around 0.25% better. So when you talked to the loan agent, maybe you can disclose how much extra assets you have the relationship with the lender, so that you can get better rates.

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