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If you bought a house and made a down payment of less than 20 percent, the lender required you to buy mortgage insurance. The same goes if you refinanced with less than 20 percent equity.. Private.
With regard to mortgage lending, the “par rate” is the interest rate a borrower will qualify for with a given bank or mortgage lender assuming there is no interest rate manipulation. In other words, the borrower would receive the par interest rate if there was no yield spread premium (YSP) taken by the broker or lender in exchange for an above par rate, and no discount points paid by the.
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