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Portability deserves careful wording. Does it preserve the 4.79% rate, merely allow the existing balance to move, or require a fresh affordability and property assessment? Those are very different outcomes. I wouldn’t assign it much value until the lender explains what happens if the replacement...

I wouldn’t choose the contingency percentage until the contractor separates known work from allowances. Ask whether electrical checks include corrective work, how concealed plumbing will be reached, who pays for making good, and whether moisture testing happens before flooring and paint. Also...