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Term	Rate	APR*
30 year Fixed 0.0 Points	3.500%	3.616%
20 year Fixed 0.0 Points	3.375%	3.491%
15 year Fixed 0.0 Points	3.000%	3.195%
FHA 30 year Fixed 0.0 Points	3.375%	4.776%

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New Hartford, NY 13413
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