So.... I locked in a rate of 6.125% with one lender by paying for the application fee, credit report, & appraisal fee. I want to switch lenders b/c I have found a cheaper rate. Also, they haven't appraised the house yet. If I do this, will these fees be refunded?
Also, since I can't afford to put 20% down, I have to pay PMI. Is PMI tax deductable in '08?