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- 05:39, 23 December 2023 MelinaOates talk contribs created page 4 Private Mortgage Rates April Fools (Created page with "Fixed Rate Closed Mortgage Retention forfeits flexible prepayment privileges favoring stable carrying costs without penalty considerations should income streams remain constant. Mortgage default insurance protects lenders from losses while allowing high ratio mortgages with less than 20% down. Self-employed borrowers often face greater scrutiny on account of variable incomes but could get mortgages with sufficient history. First-time house buyers with steady employment m...")