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Rate and Payment will apply over the term of the loan. The Payment reflects a monthly payment of principal and interest. Real estate taxes, property insurance, flood and mortgage insurance (if applicable) are not included in the monthly payment amount. Your actual payment amount may be higher. An escrow account may.

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It’s rare for financial forms to last twenty years virtually unchanged. The Uniform Residential Loan Application (URLA), otherwise known as Form 1003 or Form 65, is a notable exception. For two decades, it has served as the industry.

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