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EXPERIENCES OF OLDER REFINANCE MORTGAGE LOAN BORROWERS: BROKER- AND lender-originated loans introduction historically, mortgages were originated and held primarily by financial institutions such as savings and loans, commercial banks, and insurance companies. Mortgage documents, underwriting criteria, credit requirements, and appraisals varied
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Myth 3: A refinance will affect selling the house later Unlike home equity loans, refinancing your mortgage doesn’t put an additional lien on your home — which means it doesn’t have an impact on.
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Assume that a borrower has a choice between two comparable fixed-rate mortgage loans with the same interest rate, but different mortgage terms, one being a 30-year mortgage and the other a 15-year mortgage. Under financially unconstrained circumstances, which of the following statements best describes the borrower’s preference? A.
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7 Mortgage Myths That Still Befuddle Borrowers Borrowers continue to get smarter about the mortgage process, but from questions about closing costs to the minimum down payment and credit score needed to qualify, there s still a lot that can keep consumers confused during the origination process, or worse, on the sidelines of the market entirely.
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