This documents sets out the costs associated with a mortgage, including interest rate, lenders fees, title charges, pre-paid interest and insurance. The government requires that your lender give you a Loan Estimate within three days of receiving your loan application. The Loan Estimate is only an estimate; some fess can change before closing. Lender fees and the interest rate (if you have locked your interest rate) many not increase, and certain other costs may not increase by more than 10%.
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