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Now the government has implemented the Housing and Economic Recovery Act (HERA). Basically if the APR changes for the better or worse by .125% then new disclosures would need to be signed by the borrowers and the loan could not close for up to 6 days after signing it. I can see if the APR goes up then having them sign and wait the required days. But if the rates go down and I get my clients a better interest rate? The APR would go down and the borrowers would benefit from that. Why should the clients be punished and have to wait the additionals … (1 comments)
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