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Notice the example in Figure 3. Math is not a strong suit, English is my second language, I'm still looking for a first. The FHA was established to encourage improvement in housing standards and conditions,to provide an adequate home financing system by insurance of housing mortgages, and to exert a stabilizing influence on the mortgage market. We work with the nations leading auto loan lenders and car dealers.
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You have now gone back and deleted your comment where you claim to have been a broker for 6 years. The average American household income is insufficient to pay for tuition. The average value of the loan acquired by the banks is about US $10000. 
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Change in name or status of owner of real estate Any person or corporation owning real estate or having an interest in real estate whose name has been changed, and any corporation which has been merged into or consolidated with another, may file with the town clerk of the town in which the real estate is located a certificate giving the names before and after the change, merger or consolidation, and the town clerk shall record and index the certificate in the land records. The bank is going to look out for its best interests, isn't it nice to have someone working for you, the borrower, and looking out for your best interests. If you pay off your loan, this fee may be charged to cover the expense of recording the release satisfaction of the loan as determined by the applicable county town.
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