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    KB home lender - should I lock the rate now?

    Hi, I wonder if anyone has used KB home as a lender i.e. KBHS?  Are they competitive? Did you get any incentive? We are going to close in November and they offer me lock the rate for 180 days with the fee of $4500. I will lose this money if I change the lender. Since the rates are really low...
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