Whether it's conventional, we're seeing 3% or less regularly." Just absolutely amazing and we're seeing that across the board in all the different type of loan programs. 2.75% VA (Veterans Administration) zero down mortgage for him. Bauer shared, "We just did a mortgage for a client of mine last week. We're kind of predicting for things to settle out here a little bit coming up over the next year or year and a half." There was a lot of ground to make up for but now we're at that point where we've gone beyond making up for that market. Faribault recovered from that about six or seven years ago. There were a lot of years there where the Faribault market was dead in the water. Bauer says an increase like that is, "Really unhealthy.
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