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Lenders are required by the Federal Truth in Lending Act to disclose the effective percentage rate as well as the total finance charge in dollars. Lenders compete, you save Refinance Home Equity Debt Consolidation Home Purchase Brokers News and Advice Home News Advice Basics and Guides How Are Mortgage Rates Set? If you are concerned about possible lawsuits, you may wish to confirm this with your state's Civil Code and/or a qualified attorney.

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