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	<title>Home Mortgage Loans &#124; Mortgage Refinance &#124; Mortgage Rates &#187; Mortgage Articles</title>
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	<description>Mortgage Refinance, Home Mortgage Loans, Low Mortgage Rates</description>
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		<title>Underwriting your loan</title>
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		<pubDate>Mon, 01 Dec 2008 09:48:32 +0000</pubDate>
		<dc:creator>Mortgage</dc:creator>
				<category><![CDATA[Mortgage Articles]]></category>

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		<description><![CDATA[There are 4 main factors that are used today by underwriters to determine a mortgage approval. These factors help a mortgage underwriter understand the borrower’s qualification. These factors determine if a borrower can receive a preapproval, prequalification, and meet necessary underwriting guidelines. The first factor known to the American population is called the ‘credit’ criteria. [...]]]></description>
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		<title>Discount Points</title>
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		<pubDate>Sun, 07 Sep 2008 04:47:18 +0000</pubDate>
		<dc:creator>Mortgage</dc:creator>
				<category><![CDATA[Mortgage Articles]]></category>

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		<description><![CDATA[Before obtaining good mortgage rates a borrower must understand what actually is included in a ‘mortgage interest rate’. There are many factors that affect all mortgage rates in every mortgage transaction. Discount points, origination fees, Yield Spread Premium, and 3rd party fees are a few factors that can change your interest rate. This information will [...]]]></description>
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		<title>Origination Fee</title>
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		<pubDate>Wed, 20 Aug 2008 00:59:32 +0000</pubDate>
		<dc:creator>Mortgage</dc:creator>
				<category><![CDATA[Mortgage Articles]]></category>

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		<description><![CDATA[Origination fees work the same way as discount points do. One point is equivalent to 1% of the loan amount. Origination fees do not lower your mortgage interest rate. Origination fees are paid by the borrower to the bank, lender, and/or mortgage broker. This is a common charge on a HUD-1 settlement statement. This charge [...]]]></description>
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