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Cupcakes
That's their standard it seems for my estimated LTV and the amount remaining. If the place goes up in value or I manage to overpay enough in that time to shift the LTV to the next bracket then it would be
2 years- 2.74%
5 years - 3.44%
This is all hypothetical right now. Who knows what will happen between now and next July. I just want to understand it so I know where to look when the time comes.