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How to Avoid Mortgage Overcharges. Offering to Purchase a Home. Buying a home can be very exciting, especially if it is your first home. But many factors are involved in obtaining a mortgage, and you should make sure you are familiar with the terms used by lenders and what they mean to you before you sign any paperwork. And you may want to consider using a mortgage broker to help you get the right mortgage a lot faster. Junk fees" are sometimes included in the closing costs so the lender can make a bigge...

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