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Dude check your local credit unions. Usually they have very good rates for first time buyers. Plus you get a pre-approval (assuming you get approved) to throw to the dealer when they come back at you with some whack ass rate.
Personally, there's enough credit locally to not waste your time with the internets and get a fixed rate please! I don't feel like bailing anyone else out who took on too much with a variable rate that default when the variable period is over.
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