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• 00:00, 6 January 2024 Dorothy66O talk contribs created page User:Dorothy66O (Created page with "Mortgage terms over a few years have prepayment penalties making early refinancing expensive so only ideal if rates will stay low. Lenders assess factors like income, debt, credit rating, down payment amount, property value, and loan type when approving mortgages. Lenders closely assess income sources, job stability, credit standing and property valuations when reviewing mortgages. Mortgage pre-approvals outline the rate and amount offered well before the purchase closin...")