What would be my monthly mortgage allowanceagainst $300,000 mortgage (refinance) next to fitting credit?

Answers:
About $1,590 at 4.875% not including taxes, insurance and PMI for 30 years.
My credit union is offering 4.75% on 30 year FHA with 1.75 points. Without your insurance, pmi, settlement costs your reimbursement would be $1591.82. So figure your payment would somewhat higher than that.

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