Do FHA interest rates stay the same nationwide or do they vary?
Hello Benjamin, FHA rates do not vary state by state. They vary by investor. Feel free to reach out if you need anything or have any more questions, 1-800-319-3222.

Can spouses each borrow from 401(K) for house downpayment?
Yes, however we will use the repayment on the 401(K) loan as part of the debt ratio...

What amount can a seller pay toward buyers closing costs? 95% conventional. Recurring and non recurring. Owner occupied.
Anything LTV greater than 90% the max you can do is 3% contribution on owner occupied. If LTV between 75%-90% then you can do the 6%

unusually high pmi rate?
You can go on the website of MGIC or Radian and look at the MI factors.