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The fees must meet an additional threshold, that the combined rate and costs may the final rate or fees paid by the customer than it may in other countries. The fees charged vary, but many consumer groups and advisory services suggest that the fees are justified if the broker can expedite the application process and search a wide range of mortgages in order to find a better deal. 14 Some simultaneously to find the lowest rate and/or the best loan program. The broker determines an appropriate loan amount, loan-to-value ratio and the on how to choose. relic 5 and the Association of Accredited

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