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That's not what was told by them but willing to stand corrected. As for the 0.90% being comparable to most lenders I'm sorry to say that this isn't close to the fact. On a $400k loan that's $3,600. most are around the $700 to $1k mark.

The Heritage Basic product is off the market for the moment (unless you're an existing customer) as their servicing levels blew out to far. I've heard when it finally gets relaunched the rate won't be anywhere near the 4.82% currently advertised. The $395 fee with STG may seem an extravagance...