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1. I live in LA so not sure how strict they are if you live outside the area. 2. The pre-approval is good for 30 days (before they would want to re-run the credit check) but they said they don't hold the rate at all so even within those 30 days the rate can go up on you. 3. Yes they will...

Thanks for putting this spreadsheet together, it's super helpful. Can you add LA Financial CU? They are currently at 1.99% for a 60 month loan and is open to anyone in LA County and some other areas with no hoops to jump through. The person I applied with did say they think the rates will go...