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*Affects pricing. With the No Closing Cost Option,
borrowers finance the closing costs instead of paying for them at closing.
Borrowers who pay closing costs at closing may qualify for a lower interest
rate. Some upfront fees (ex. credit report and appraisal) may apply and may be
credited at closing.*Refinancing or taking out a home equity loan or line of
credit may increase the total number of monthly payments and the total amount
paid when compared to your current situation.