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I also would not bother visiting local branches. I would look at the websites for of your local banks and credit unions to compare rates.
I would also contact Lincolnway considering they say they will do a $180k 30 year FHA loan in Show Low for 3.25%
Finding banks willing to write small mortgages is difficult right now. Small loans require the same amount of work and the bank gets paid less when the sell it.
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