[yster]

thanks guys, here r some more info about the mortgage, bcuz i buy a new house, so the company 's giving $7,300 for upgrading, (with requirement: i have to go with their in-house lender, and insurance), so after subtract the upgrading, my loan is now $385,000. with my credit score: 717 and the current job is exactly 1.5 yr. (i also have little cash to put down 5%and told them that i choose the 5yr arm,then the loan prossesor told me that, i have to go with 2 loans, the 1st one for 80%, and 2nd one for 20% of the total loan. and rite now, he locked my rate at (6.375% for the first loan), and (7.6250 for the second one). And after all the Caculation, it's added up: $2100/mon b4 tax . and about 5k yr for the tax.

My question are:

- With the interest rate he offer me? is it high or low ? ( im living in sacramento)
- is the loan prossessor lying to me? or is he trying to put me on traps ( because im just starting my new life, so i don't have any experiance to tell)
- is the mrotgage above appropriated ?
- r there any messages can you guys suugest me to talk to the loan prosessor ?

please help me out asap, my new house is about to close now...

Thanks all.