Your mortgage lender is required to supply you with a Good Faith Estimate of all your closing costs within three business days of your application for a loan. In addition, a statement of your actual costs should be given to you at or before settlement. The APR expresses the cost of your loan as a yearly rate. This rate is likely to be higher than the stated interest rate on your mortgage because it takes into account discount points, mortgage insurance, and certain other fees that add to the cost of your loan. We are not a lender or broker.
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