| http://www.w3.org/ns/prov#value | - With today's low rates, borrowers are more likely to choose lenders based on service quality and timely closings than based on rates.Most borrowers still feel the whole process is a pain and anything added to that pain (switching loan officers/new quotes) is thought of as 'not worth it' in the overall costs, Sinnott says.Fannie Mae reports that borrowers usually leave $1,000 or more on the table
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