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The activities of a mortgage broker affect the public interest, and require that all actions of mortgage brokers, designated brokers, loan originators, and other persons subject to this chapter be actuated by good faith, abstain from deception, and practice honesty and equity in all.
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Yes, mortgage lenders offer different rates based on their pricing models. But they also offer different fees. You can’t just compare one loan to another based on the rate. You also have to consider the full cost of the loan, including all estimated fees, and how that affects (A) your monthly payments and (B) the total amount paid over time.
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