I was told over the phone that we could get a 85% LTV on my home at a fixed rate conventional 4.63% because of my good rating. The application they sent hinged on a LTV of 70% and they wanted points also. This was getting more expensive all the time. A real estate freind informed me I would best case get a FHA and pay insurance so I backed out of the loan. When I confronted the agent he acknowledged that his back up plan was to go with FHA and I would be able to deduct the insurance. I quickly informed him my AIG was over the government... read full review »