Question: Which mortgage loan will have the bigger difference between the APR and the stated loan interest rate? Each are $300,000, 30-year, fixed rate, no discount

 Which mortgage loan will have the bigger difference between the APR

Which mortgage loan will have the bigger difference between the APR and the stated loan interest rate? Each are $300,000, 30-year, fixed rate, no discount points, same loan origination fees. FHA, 5% down payment Conforming, 20% down payment

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