todays fha rate is at 3.25% and the lender gives you a credit towards closing in LA.,
no need to pay for origination, discount, processing,credit report and appraisals in LA are $450 max, title fee are all within a $150 difference.
on an fha loan, you have to have upfront mtg insurance,no way around that plus underwriting fee from lender is standard.
flood fee is standard across the board.
at closing closing you can opt out of owners title insurance but must have basic lenders title insurance.
call if you have any questions, 225-291-7901 x 224