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Critics say this fee shouldn't exist, because underwriting is an integral part of what a lender does. Has the lowest mortgage rate already come and gone? If America's interest rates are higher than Japan's, then Japanese investors will want to buy our bonds to take advantage of those higher rates.
In case you don't believe me, consider this. What is the total amount of interest I will pay on the loan. We search the web so you dont have to. You pay more in points, or get less in rebate for the same type of loan at the same rate.
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