Welcome to the Newschoolers forums! You may read the forums as a guest, however you must be a registered member to post. Register to become a member today!
This guy is right about the stability of US bank. and you are already on the right page about getting a mortgage from your local bank or a bank like US Bank as opposed to a mortgage broker. while you might feel more comfortable going to your own local bank .25+% over 30 years is a lot of money. you can find find a mortgage calculator on line somewhere that will break down the amortization for you.
Ive owned a home for 4 years now. my advice would be to lock in at the lower rate as long as you are comfortable with the bank. Good Luck!