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Subject to borrower qualifications on approved credit. Actual loan qualification may require verification and approval of income, credit, property value, and certain other factors. Interest rates, fees and programs are subject to change at any time without prior notice. Consolidating or refinancing debt may increase the time and/or the finance charges/total loan amount required to repay debt. A loan-to-value ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. Please consult your tax advisor regarding the deductibility of interest. A detailed Loan Estimate of closing costs will be provided upon receipt of a completed loan application. This is not a commitment to lend as defined by section 226.2 of Regulation Z, a Truth in Lending Act disclosure. Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan.