Bank of America mortgage?

In closing on a house in a few weeks and I was wondering if anyone will be Bank of America as the day of my fence, because local lenders do. The loan is the Central Florida whice 1,000 miles away from me, I wonder what happens on the day of closing.
I was told that credit unions are known for buying and mortgages offer interest rates on their cash ….. It is possible, or what should I do to reduce my interest on my loan morrgage …..

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