As mentioned in my description, Bank of America has the last best deal in the mortgage industry. Our No Fee Mortgage PLUS product allows the buyer up to 95% LTV, NO fees, including 2nd and 3rd party fees, and finally, NO PMI!!!! Our rates are competitive. We suggest that the buyer ask the seller to pick up 3 pts, and the seller can increase the sales price by an amount equal to the total points. On a $235,000 house, with 10% down, the buyer will save approximately $86 per month. And remember, there is NO PMI. As such, the buyer can qualify for a house of higher value and the agent will have an easier time qualifying the buyer and increase the agent's commission by selling a house of greater value. Call my office today for more details. Ask for me or any of my loan officers.