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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!