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Annual mortgage insurance premiums will rise by 0.10 percent for most new mortgages and 0.05 percent for loans of $625,500 or more. In addition, homeowners with FHA-backed mortgages will be required.
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Some mortgage lenders in strong markets like Salt Lake City have approved borrowers with credit scores around 640. The best rates and deals will be obtained with a score above 740. There is a lot of competition among lenders, and this environment can create nice perks for borrowers.
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