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Mortgage Expenses. Obtaining a mortgage loan incurs a list of expenses that must be paid at closing. Expenses associated with a new mortgage include an application fee, a loan origination fee and loan discount points.
Other costs include title insurance and appraisal and inspection fees.
Lenders cannot deny your loan simply because you have declined the optional credit insurance. BEWARE. Beware of equity stripping. Some lenders may ask you to pad your income to help get your loan approved. You are being set up. This may help you get your loan quicker, but you may not have enough income to make the required monthly payments and could lose your home. Beware of balloon payments. If you have fallen behind on your payments, and face foreclosure, some lenders will offer to lower cash loans fairfield monthly payments.
Look carefully at the terms of the loan. The payments may be lower because you may be paying only the interest on the loan.
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Here are some examples.